You have searched for the cheapest car insurance provider, the cheapest car insurance policy and now you are ready to sign up. Your potential insurance provider will request information to complete the application process. Before providing the information, make sure you have completed the following steps:
- Receive a minimum of three car insurance quotes from three different car insurance providers. The chosen quote should meet all your important requirements.
- Decide on the auto insurance coverage that you want. You have to be specific about the type of car insurance coverage that will fit your needs.
- Ensure that you completely understand the policy and that it contains all the terms that are important to you.
- Be clear on the premium you have decided on and the excess charge.
When you are signing up for car insurance, having the following information ready will speed up the process:
- The names, ages, marital status, and sex of all vehicle drivers and how often they will drive the vehicle. If the other drivers have safe driving records, bring this to the attention of the insurance provider.
- The annual mileage on the vehicle to be insured.
- The driving records and accident history of any drivers to be included on the policy. It is likely the insurance provider will request all details surrounding any accident, including who was at fault, whether you made a claim, and if your car insurance claim was considered valid and paid out. If you were not at fault they may ask the name of the other car insurance company. It is important that you are honest as the car insurance company can check the information with the insurance claims registrar.
- Where the car is kept when not in use. Whether the car is parked in a garage or in a car port.
- Details of the car such as the registration number, year, model, and brand. Most of this information can be found on the registration card attached to the front left of your window screen.
- The car insurance provider will ask whether your car has any modifications such as a turbo, mag-whels, or any other aftermarket modifications.
- Tell the insurance agent if your car has any security or safety devices installed. This includes a car alarm or demobiliser.
- Find out whether your car has air bags or an anti braking system (ABS) installed. These are safety features that can reduce your premiums.
Car insurance costs will vary depending on where you live in New Zealand. If you move to a different region or city, make sure to inform you car insurance company, as your premium may be affected. |
