When you apply for an insurance policy, the agent will ask your name, age, gender, and address, and questions which will be used to determine how likely you are to make a claim.
When an insurance company decides whether to offer automobile insurance to a potential customer, they want to know the previous driving record, whether there are any recent accidents or tickets, and what type of car is to be insured.
Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than a young driver with traffic tickets.
We will also need information about the vehicle and how you drive it to determine a fair price. For example, a large luxury car costs more to repair or replace than a sub-compact; and, someone who commutes 30 miles each day is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.