In order to complete an accurate quote, Insurance Navy needs the following information.
First and last name
The first and last name provided will be compared to the driver’s license information and driving record to confirm an applicant’s identity.
Your number will be kept on file for courtesy payment reminder calls and courtesy policy renewal calls.
Your email will be kept on file to send you newsletters and information about special promotions or events.
Date of birth
Young drivers with little experience are at a higher risk for accidents and pay higher premiums. Rates can decrease as much as 20 percent as soon as you turn 25.
Women have few car accidents compared to men and typically pay less for their premiums because they are lower risk. Males are also statistically more aggressive drivers.
With a Insurance Navy, can find the rate of stolen cars, vandalism and claim numbers filed in that particular region. If you own a home, you may benefit from lower rates.
Insurance Navy will ask for employment information for a number of reasons. Some professions are linked to lower accident rates. Insurance Navy also wants to ensure the vehicle is not being used for work-related activities.
The VIN is a car’s 17 digit identification number. The VIN tells our agents important information like the body style, braking sytem, engine type, series of vehicle, restrain system, recalls and more factors that may increase or decrease an insurance premium. The agent will also know if the vehicle has a salvage title. If it does, Insurance Navy will not insure the vehicle.
Married couples and even divorcees are also statistically less of a risk to insurance providers.
Driver’s license and driving record
Insurance Navy will need to verify an applicant has a valid driver’s license. We will also look at your driving record to determine the risk they are taking by insuring you. Typically, Insurance Navy will only look at the last three to five years.
Type of coverage needed
Higher policy limits and coverages mean a higher risk for insurance companies and higher insurance premiums.