Your agent will ask you what make and model cars you own, roughly how
many miles you drive each year, and what kind of liability coverage you
will need. The agent will also want to know how many people drive the
cars, how old the drivers are, where you live, and driving records of
each household member.
The agent will then ask more detailed questions about your cars, such as
their Vehicle Identification Numbers (VIN), whether they have passive
restraint systems or air bags, anti-lock brakes or anti-theft devices.
If you already have another insurance policy with the company for home
or life insurance, you might receive a discount on your auto policy. You
should also mention if you or other drivers in your household have
completed safe-driving courses and if student drivers in your home are
getting good grades—both of these may qualify you for discounts on your
auto policy.
Once the agent has assembled all of the information, he or she will
quote you a premium. The premium will depend on all the factors above
and on the deductibles you choose.
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