What questions should I be expected to answer when I am applying for an Auto Insurance Policy?

Do you often wonder why insurers need so much information?

When you apply for an auto insurance policy, you will be asked several questions. Starting with the basics…your name & address, age, gender, etc. Additionally, you will be asked a number of other questions which will be used to ultimately help a car insurance company decide if it wants to insure you and how much you will be paying.


When an insurance company is deciding whether or not to insure a potential customer, they will want to know about the person’s driving record, whether the driver has any recent tickets or accidents, as well as what type of car is to be insured. An expensive sports car or a luxury car costs more to repair or replace than a sub-compact. Someone who drives 25 miles to work each way is more likely to be in an accident than someone who drives only a couple miles per day.


Why is your coverage based on your Zip Code?

If you live in a large city, you will normally pay more because cities normally have more crime & traffic congestion…which means more claims than let’s say someone who lives in the suburbs or country.

Do you need to get a quote for Auto Insurance? Give us a call at 760-564-3888 or go to www.MotzRusin.com