car insurance check list

Quick Car Insurance Checklist

There are many different factors that play into your car insurance policy. As you shop around for auto insurance, make sure to have these answers on hand. This can help streamline your shopping process and provide adequate information to your insurance professional. Use this car insurance checklist as shop around for quotes.

Information About Your Car

Give the insurance professional information about the car you are looking to insure. It’s best to be detailed with your information.

  • The make, model, and year – be as specific as you can! The more accurate you are, the more accurate your quote will be.
  • The Vehicle Identification Number (VIN)
  • Any safety features – including passive restraint, anti-lock brakes, lane departure warning, pedestrian detection, etc.
  • Anti-theft devices – such as GPS trackers, dashboard cameras, etc.
  • How much driving you do – do you commute long distances to work daily? Are you using this car for road trips?
  • Where you plan on driving – is this vehicle going to be used to drive around town? Where do you plan on driving?
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Complete our online quote form today

Information About Your Household

It’s important to provide information about who is in your household and your specific situation. Everyone’s situation is different, and this gives the insurance agent a better idea of what you may need for coverage.

  • Who comprises your household 
  • Who will be driving the car
  • Where you live
  • Where you park your car – do you park in your garage? Does your car get parked on the street? Or maybe you park in a private garage in your building? Be as specific as you can!
  • How much liability coverage you will need. You can discuss this with your insurance agent if you are unsure about what coverage limits make sense for your situation.
  • What you would like your deductible to be. A deductible is the amount of money you will need to pay out of pocket before your car insurance kicks in. Similarly, you can ask your agent about your deductible and how that affects your coverage. 
  • Whether you already have other insurance policies with that insurance company. Bundling multiple policies can sometimes help save you money.

Information About The Drivers

Discuss who is going to be driving the car and their background.

  • Driving record – make sure to include accidents, tickets, or other violations that have occurred.
  • Age
  • Any safe driving courses they’ve completed
  • Grades (if they are a student)
  • Drivers license numbers of drivers
Call us at 413.475.283
Complete our online quote form today

Auto Insurance Discounts

You may qualify for discounts on your car insurance. Some common discounts include:

  • Accident Prevention Course
  • Passive Restraint Devices
  • Anti-Lock Brakes 
  • Anti-theft Devices
  • Driver Training
  • Multi-Car Discount
  • Retiree/Senior Citizen (discount may be available for reduced driving)
  • Daytime Running Lights
  • Accident-Free/Careful Driver
  • Driver “Account” Discount (for multiple policies with the same insurer) 

This car insurance checklist is a great place to start when looking for coverage. But if you have any questions or concerns, you can always call us at Encharter! We are here to help answer any of your auto insurance questions. If you need help finding the right coverage for your car and family, give us a call.

Chat with an Encharter agent today about your car insurance:
Complete our online quote form

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