Getting Ready to Purchase Auto Insurance

Consumers who wish to purchase insurance frequently need to obtain a policy without delay. One time when this is true, for example, is when buying a new car. Renewing a policy can be another time when it is important to obtain insurance starting as of a specified date; drivers will want to avoid ending up with a lapse in coverage.

Thankfully, purchasing new insurance or renewing an existing policy can be accomplished quickly and with a minimum of fuss. The trick is to know what to expect in advance, because this will allow you to come prepared to assist your insurance broker or insurance agent to finalize the process in a timely manner.

Essential Documents For Securing Auto Insurance

Among the documents you will need are ones that relate to the ownership of your vehicles. The following documents are frequently needed:

• proof of ownership for each vehicle to be insured
• a copy of the bill of sale for each vehicle, or alternatively, the relevant lease agreement if the vehicle is fairly new
• the agent may also need details about the lienholder or leaseholder for each vehicle. Any documentation you can provide about these individuals or companies may be of use.

Obtaining coverage will also require documents related to the drivers in your household. Important items in this category include:

• the full name and driver's licence number of each driver living in your home
• driver's training certificates
• full copies of each driver's record may in some circumstances be requested.

Unless you are pursuing a straightforward renewal, the agent will also need details about your current insurance company and policy, including such things as:

• the company name, address, and contact information
• your insurance policy number
• your dates of coverage including end dates for policies currently in effect.
• If you have made any claims against automobile insurance within the last ten years, you should arrive prepared to disclose details about them. Bring along any documentation relevant to these claims.
• If you can demonstrate that you were not at-fault for the accident or other incident that led to the claims, be sure to have this evidence at hand so that you can provide it to your insurance agent or broker.

Lastly, in order to avoid any delays, you should be prepared to finalize the purchase. You will want to have a means of payment with you in order to secure a policy. Some insurance brokers and agents are no longer accepting cash as a method of payment. Credit card and cheques are always welcome, although certified cheques may sometimes be required.
Remember to have these documents ready. That way, you'll probably be able to settle matters that same day and get the auto insurance coverage you need.

If you havea any further questions or comments about this post or any other post I wrote, please do not hesitate to contact me.

Sean McNamara