When purchasing or adjusting your car insurance, knowing exactly what information you need to provide and what documents you may need to bring to a meeting with your agent can be confusing. But it doesn’t have to be.
A visit to your agent will most commonly focus on new coverage or changes to your existing plan. Here are key items to consider in either situation:
Purchasing Car Insurance
When purchasing car insurance, you will need to bring the following documents:
You should bring your driver’s license, as well as copies of licenses of any other individuals in your household who will be driving the vehicle(s) you hope to insure.
Bring the registration forms of any vehicles you’re insuring, in order to demonstrate proper ownership.
Current Declaration Page:
If you have current insurance coverage on any of the vehicles for which you’re getting a quote, bring your existing insurance declaration page as proof of coverage.
Bringing a voided check is a good idea in case you do decide to purchase insurance at your meeting. Many insurers offer auto-pay or online bill pay from checking accounts, and a voided check will provide your account and routing number information for verification.
Changing Car Insurance Coverage
Though most changes to your coverage are relatively straightforward procedures, some do require documentation. Some examples include:
Adding a New Person or Vehicle:
Bring the driver’s license, registration for any vehicles being added, and if you have an existing policy, the declaration to demonstrate compliance with required coverage.
Dropping a Person:
Though it’s not necessary to do so, we suggest bringing proof of new insurance for the individual choosing to drop coverage, since car insurance is a legal driving requirement.
Cancelling a Policy:
We recommend bringing proof of replacement coverage when you intend on cancelling a policy. You’ll typically need the declarations page, which shows the date the new coverage begins. Being that insurance is a requirement, a policy might not be canceled unless your existing insurer knows that new coverage exists. We understand there are times when you’d like to cancel your coverage. But, we’d like to hear why you’re canceling your policy, so that we can better help you understand your options or find ways other ways to meet your needs.
As with many big purchases, a little preparation goes a long way when buying or making changes to your car insurance. Check with your insurance agent if in doubt about what documents you’ll need for your meeting.
If you have any more questions about purchasing or changing your current car insurance please feel free to contact us at (512) 445-5555 or through our online contact form to speak with one of our team members today!