What do I need to get car insurance?

You need a driver's license and your vehicle's VIN to get car insurance quotes online. Insurance companies will also ask for the make, model, mileage, and accident history of your vehicle.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 10, 2021

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Here's what you need to know...

  • To request a quote for car insurance, you will need to provide information on your driving history, such as any car accidents you have been involved in, driver’s license suspensions and moving violation tickets
  • You should also have information available on the make, model, year, mileage and vehicle identification number for your vehicle
  • If you have other members of your household, you must decide who will be included in the policy and who should be excluded from driving your car

Getting auto insurance can be intimidating if you are not prepared. Most companies will not only want details about you but also about your vehicles and driving record.

Some basic information, including your driver’s license number and VIN, will most certainly be asked of you when you apply for car insurance.

Start comparison shopping today by entering your zip code into our FREE tool above!

Information Needed to Request a Quote or Sign Up for Auto Insurance

Even if you are just requesting a quote to find out what auto insurance rate you can qualify for, you will need to be prepared to provide the insurance company with personal information as well as information about your car.

Also, you will need to give a contact phone number and possibly email address so that you can be reached.

You will likely be asked for your social security number, marital status, age, and sex.

From your driver’s license, the insurance company will be able to look up your driving record, which will help determine what auto insurance rates you are eligible for.

Your insurance company may look at recent incidents on your driving record which could affect the insurance rate offered you.

You will also need to provide information on the vehicle you are driving. The insurance company will ask for the vehicle identification number (VIN) and possibly a copy of your vehicle registration.

Depending on whether you own, lease, or still making payments on your car, you will need to provide lender and financing information to the insurance company.

Keep in mind that the value and whether your car is used or new can affect the rates that you pay.

You will almost certainly be asked about how you typically use your car, which will include questions about how many miles you drive in a typical day and whether you use your car to commute only to work.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Additional Information You May Want to Provide

When trying to get the best rate for car insurance, you should let your insurance company know about your occupation to see if you qualify for any additional discount.

The higher your level of education, the greater the discount you may qualify for.

Also, if you have taken any driver safety courses or have anti-theft devices installed in your car, you may be eligible for further discounts.

Other Drivers in Your Household

For other drivers in your household, you will need to provide information, including:

  • Driver’s license numbers
  • Name
  • Age
  • Accident history
  • Previous car insurance policy
  • Driving experience

If there is another driver in your household that will not be covered under your auto insurance policy, then you will be asked for their separate insurance information.

Car Insurance Requirements Under the Law

The minimum coverage you are required to have is usually referred to as liability coverage, which can include injuries to people or property.

You may want to consider other optional or supplemental coverage because liability insurance may not be enough to cover all of the damage to a person or property in an accident.

If you are at fault for the accident, you may be required to use your personal assets to pay for the extent of the damage that is not covered by your insurance policy.

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Required Information for Getting Car Insurance

When applying for car insurance or even simply requesting a quote, you will be asked for personal contact information as well as information about your vehicle and your driving history.

Most of this information can be found on your driver’s license, vehicle registration, car financing paperwork, and through your driving record, which the insurance company will be able to access.

You may also be asked about other drivers in your household and how you typically use your vehicle.

The information you provide will determine what insurance rate you can expect.

Ask what types of discounts are available including good student rates or reduced rates for driver safety training.

Don’t miss out on savings on your policy.  Start compiling quotes using our FREE comparison tool below!

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