Auto Quote Checklist

Full names, dates of birth, license numbers/state, years licensed, marital status, and any tickets/accidents in the past 3–5 years.

No. Quotes use driver/vehicle data and prior insurance. Some carriers may verify identity later for bind.

Yes. Undisclosed residents can cause re-rates or denials. We can exclude ineligible drivers per carrier rules if needed.

Compare policy setups in our comparison hub.

Tell us about occasional drivers. Policies handle permissive use differently; accuracy prevents claim friction.

Severity, recency, and count matter. Carriers rate violations differently; we shop to offset surcharges when possible.

Often, with a signed exclusion where allowed. Excluded drivers have no coverage if they operate the vehicle.

See carrier nuances in National General Insurance.

Year, make, model, trim, VIN, current mileage, primary use (commute/pleasure/business), annual miles, and garaging address.

No. Quotes are data-driven. Photos may be requested after bind for certain coverages or claims.

Leinholders typically require full coverage and may require specific deductibles or GAP. We’ll list the lienholder properly.

Proof card fields explained in this guide.

Yes. Many policies need an endorsement to cover aftermarket wheels, audio, wraps, or tool racks.

Sometimes. Advanced safety can help prevent injuries; telematics may produce larger savings for careful drivers.

Yes, multi-car and multi-policy discounts can stack. List all daily drivers and vehicles for the best picture.

See savings levers in our comparison article.

State minimums are legal but can be risky. Many drivers choose higher BI/PD limits to protect income and assets.

If your car has value or a loan, consider comprehensive and collision. Liability only is lowest cost but exposes your car.

Higher deductible lowers premium, higher out-of-pocket at claim time. Balance cash-on-hand with savings.

Deductible impact outlined in our comparison hub.

UM/UIM protects you from underinsured drivers. PIP/MedPay helps with medical bills regardless of fault (varies by state).

Rental/transportation covers a loaner after covered losses; roadside helps with tows and lockouts. Small add-ons, big convenience.

Limits, deductibles, and add-ons drive price. We model scenarios so you can decide with clarity.

Carrier context in Bristol West & Foremost.

Autopay, paid-in-full, paperless, prior insurance, multi-vehicle, homeowner, telematics, good student, and defensive driving.

Often yes for the biggest discounts. A declarations page or ID card works; even a policy number/date helps.

Higher miles and high-claim ZIPs can raise premiums. Accuracy helps us match the right carrier tier.

Pricing factors overview in our comparison guide.

In many states, yes. It’s a soft inquiry. We’ll advise where it applies and how it impacts rating.

Often, especially for careful and low-mileage drivers. We’ll suggest the best program for your habits.

Bundles can unlock sizable multi-policy credits and stabilize renewals.

See home context in West Virginia Homeowners Insurance.

Driver licenses, prior insurance proof, VINs, lender/lessor info, mileage, and incident dates. That’s enough to start strong.

Same day in most cases. We email and can text ID cards; mailed copies follow if needed.

Carrier, policy number, insured name, effective dates, and any state-specific fields.

Details in this article.

Yes. You’ll have digital proof ready for the DMV, lender, or dealer the same day in most cases.

Provide name, address, loan/lease number. We’ll add the interest so notices route properly.

We e-file with your state and supply proof to you. Requirements vary, so we’ll confirm the exact term.

See state basics in our SR22 States hub.

Usually 10–20 minutes when you have the basics. Multi-vehicle households may take a bit longer for best savings.

We often beat or explain differences by matching limits, deductibles, and discount eligibility side by side.

We can begin with key items, then refine. Accurate VINs, mileage, and prior insurance make the biggest difference.

Coverage comparisons live in our comparison hub.

Yes, in most cases. We bind, issue ID cards, and send lender/dealer proof the same day.

We’ll need your license status, incident history, and any filing terms. Non-owner requires no regular vehicle access.

SR22 timelines by state are in SR22 States and non-owner basics here: Non-Owners Insurance.