Auto insurance quotes determine what kind of insurance you should get from the insurance company. This is evaluated through a series of questions which must be answered by the owner of the vehicle to avail maximum benefits. The more information you provide, the higher the quote you will receive.

The questions asked are fundamental in nature, and the details provided will enable the insurer to provide a more comprehensive auto coverage plan. Here is a list of important questions asked by insurance companies.

How many kilometers do you drive every day?
The more you drive every day, higher the chances are of you meeting with an accident. If you drive long distances every day, you fall into the high-risk category of customers, and you have to pay higher premiums.

Do you own the car completely?
If you have leased out your car, for instance, you may have to pay both the coverage as well as comprehensive premium in case of damage done by a third party.

What do you use the car for?
If you use the car for business, you may require commercial insurance and will be given a commercial insurance quote.

Does your vehicle have safety and anti-theft protection?
If it does, then you will have to provide specific details and required documentation to get the lower premium rates. Now you are no longer a high-risk customer.

Do you have more than one car?
If you have more than one vehicle, the chances are that you get a discount on your premium.

How many licensed drivers are present in your household?
One car is usually accessed by more than one member of the family, so the premium cost will have to cover other members as well.

Do you want to exclude certain drivers from this policy?
This is done in cases where the driver has a bad history of accidents or reckless driving. However, if the driver continues to drive in spite of being excluded from the policy, it can be detrimental in the event of an accident.