If you want to make the most of that first meet up with your new insurance provider, you should come prepared with the right documents and information. These papers will help speed up the process and will give your agency a better idea of the coverage and fees fit for your particular needs. When you decide that it’s finally time to buy automobile insurance in New York, make sure that you have these trusty documents in handy for a speedy and hassle free insurance creation process.
Information Insurers Require When You Apple for Automobile Insurance in New York
- Driving Record – This one is pretty much a no-brainer. One of the ways an insurance company will be able to compute your premium is by understanding how you are as a driver. Those who have a poor driving history are more likely to be charged steeper rates. An insurance provider will likely ask about any accidents you’ve had in the past, any moving violations, and if you have been covered by a different insurer in the past five years.
- Territory – It’s important for insurers to find out exactly where you reside and drive your car because this will help them understand what kind of claims are common in your area. If there are more instances of people making claims for vehicular accidents in your location, then you’re more likely to get a higher premium rate. Think of it as foreshadowing – if others experience it frequently, you might as well.
- Gender, Age, Marital Status – When buying automobile insurance in New York, it helps to know that insurance providers actually look into age, gender, and marital status to get a better understanding of the possible risks that surround an individual. According to studies, young single males are more likely to cause accidents than they’re older married female counterparts. While this won’t actually skyrocket your insurance rate all that much, it still might have an effect.
- Prior Insurance Coverage – There is a database that will allow insurance providers to find out whether or not you’ve made any claims on your vehicle with other insurers in the past. This will allow them to understand what kind of history you have and how you might perform in the future. Another use for this kind of information is that insurance providers will be able to find out whether or not you made any lapses in payment and if you cancelled your policy before the end of the term. A poor relationship with your previous insurer could cause your current premium to increase.