Atlanta Auto Insurance – What You Should Ask Your Agent
When you call an Atlanta auto insurance agent, you need to hand over some information to help you get your insurance policy initiated–much the opposite of Vin Diesel with this unwitting car insurance company agent. The Youtube video is funny, but the disconnect of understanding isn’t too far from what happens between a lot of first time Atlanta auto insurance buyers and their agents. If you don’t want to sound ignorant, go into the conversation prepared.
The first tier of information beyond basics such as your name and age are:
- Mileage–this concerns how many miles you drive every year with some companies, while other insurance companies consider the daily mileage driven on your car.
- Make & Model–not only will the make and model of your vehicle impact your liability rating, but if you have a car that is considered unsafe or in danger of car theft, then you should expect a high insurance rate.
- Coverage–that you will need the minimum insurance coverage for liability is a certainty, but before you call think about what kind of coverage you will require beyond that.
- Location–this is a big factor in your insurance rating, and is why most forms for car insurance quotes online require your zip code.
- Drivers–you will need to give the names and driver’s license numbers of all of those who will be insured on your new automobile insurance policy.
The second tier of information that you should be asked will shape your rating, tailoring it to your specific attributes.
- VIN (Vehicle Identification Number)–this number follows your car around throughout its existence, and it allows the automobile insurance company to see what other claims have been made on it, whether it has been totaled before, and so on.
- Features–things such as anti theft devices and safety features will determine your collision and comprehensive insurance ratings. Some companies won’t even sell you comprehensive insurance if you don’t have an acceptable anti theft device.
- Discounts–you might be asked about this and you might not, but if you aren’t you should absolutely bring it up yourself. Automobile insurance discounts can cut your premium by half or more.
If you have a bad memory, you might consider writing these details down so that you don’t find yourself digging around looking for your VIN number and other details while you’re on the phone with your automobile insurance agent. Whatever you do, make sure you understand these details ahead of time to make the process simpler.
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