Automobile Insurance

20 Filling Out an Application You will have to provide some information when you apply for auto insurance. The insurance company uses the information to decide if they will insure you and for how much. • How you use your car, such as for business, commuting to work, or family trips • How many miles you drive in a year • The years, makes, models, and vehicle identification numbers for all cars in the household • The amount you paid for the car(s) • The insurance requirements if you have a loan or lease • How long you have been driving • The names, ages, marriage status, and driver’s license numbers for all drivers in your household • The driving record for all drivers in your household including accidents, insurance claims, and tickets for moving violations, but not parking tickets • Most insurance companies will order a Motor Vehicle Report from the DMV—this is the state’s official record of your accidents, traffic violations, and suspended licenses