If you're calling an auto insurance agent for a quote for the first time, you might be surprised by all the questions the agent asks. Agents ask questions for a reason, and you must supply the answers. Of course, you can prepare for this by learning what information they need. You might also want to learn a few other things before calling to ensure you get the coverage you need. Here is a guide to help you learn more before calling for an auto insurance quote.

Information to provide to the agent

You might wonder about the questions the agent will ask when you call. This is a good question to consider if this is your first time calling, as you may need to prepare for it. You'll first need your driver's license, as the agent will ask for the number. The agent will look up your license to see your driving record.

Next, the agent asks for your car's VIN. You can find the VIN by looking at your vehicle registration form. However, you can also find your VIN on your vehicle, as manufacturers imprint this on vehicles. The VIN is a unique number that distinguishes your vehicle from all others.

You must also supply your address, social security number, and phone number.

Compare various insurance options

Next, you must decide what type of insurance to purchase. This part of the process confuses people, especially people buying their first policy. The main decision is liability coverage versus full coverage. Liability coverage is less costly but doesn't protect your own vehicle if you collide with someone else due to a mistake you make. Full coverage offers more protection and is necessary for people with auto loans.

Understand the effects of risk on your policy costs

Finally, you should understand that insurance agents calculate policy costs by risk level. Thus, a driver without any tickets or accidents pays less than a driver with tickets and accidents. Additionally, your age and gender affect the costs, as these affect the risk. There are numerous other factors that also affect your risk level.

Ready to call?

After reading this guide, you should understand what you'll need to get an auto insurance quote. You might also understand what type of coverage to choose. However, a car insurance agent can explain the coverage options in more detail if you have questions or concerns. Call an agent to begin the process.