As you know, car insurance is a mandatory requirement to drive legally in almost all states of the American Union and Texas is no exception. But you are probably wondering: What documents do I need to insure a car?
Whether you’re shopping for auto insurance for the first time or changing insurance providers, here’s some information that can help make the buying process go smoothly.
The first step is to find the documentation you will need. This is something you can do before you even decide on an auto insurance company and policy, as almost all of them will require certain documents such as a driver’s license, social security number, banking information, and vehicle information, among others.
For undocumented buyers looking for salvage title auto insurance, the process can be a bit more complicated, but this guide can help answer your questions.
- Driver’s license. Driving without a license implies to the insurance provider that you are a high-risk driver. By getting your license number, insurance companies can look at your driving record and use that record to determine how risky it is to ensure you. The cleaner your record, the lower your rates will be.
- However, we do not require a driver’s license.
- Bank information. Your insurance provider may also want to know your checking account number and associated bank routing number to set up automatic payments of your premium. The easiest way to do this may be to have avoided checking on hand when you apply for auto insurance. Providing your bank information allows you to enroll in automatic payment plans, this may even qualify you for a discount on your premium.
- Information about your vehicle. Copies of your vehicle registration are necessary to prove ownership of the vehicle so the insurance company will know the details of the vehicle it is being asked to cover. Specifically, the insurance company will want to know the make, model, and year of the car, the vehicle identification number (VIN), what security and anti-theft features are installed, and an estimate of how many annual miles you’ll be driving.
Most of the necessary information can be found in your vehicle registration documents. This information allows the insurance provider to calculate various levels of risk for the vehicle, including loss of the vehicle due to theft, the possibility of injury in a collision, and some factors that affect the probability of accidents.
The documents mentioned above are going to be the main ones requested in the process of buying auto insurance, but there are other pieces of information that your insurance provider may request.
If you have driving-age dependents in your household, the insurance agency may need some details about them. It is common to request proof of residence and parking information. The company will also need to know how many people will be driving any car that is to be insured.
In addition, you’ll need to determine how much coverage you want and whether you want more than the state-required liability coverage. You’ll also need to decide the size of your deductible. The lower the deductible, the more insurance it will provide in the event of a claim, but the higher your premiums will be.
Once you have your paperwork in order, all that remains is to apply for auto insurance.
We offer you a variety of coverage at the best price and simplify the purchase process. You can do it from the comfort of your home on your computer or cell phone.
Contact us and one of our specialized agents will take you by the hand during the purchase process.
