When you apply for Car Insurance, you will be asked a number of questions.

For example, an insurance agent will ask for your name, date of birth, marital status, residence address, driver information including name(s) of each driver and their drivers license numbers, vehicle information including VIN#, year, make and model, and review your present car insurance coverage.

You will also be asked a series of other questions such as if you have had prior claims or losses, about the drivers in the household and their driving history, vehicle information etc.

Greene Insurance Group offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, Greene Insurance Group will need basic information about you.

In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in Scottsdale who commutes 30 miles each way is more likely to be in an accident, than someone who commutes via bus and only drives on weekends.

A number of factors can affect the cost of your car insurance – some of which you can control and some that are beyond your control.

Some of these factors include: the type of car and value of the vehicle you drive, how many miles you drive annually (business, pleasure or commuting), your driving record (very important), prior claims history and where the car is garaged.  There are discounts available for those who own multiple vehicles and insure them on the same policy, package your auto and home insurance for a discount and more. Some insurance companies offer additional discounts for utilizing a mobile app on your cell phone to track your driving habits, mileage, and more which can lower your car insurance rates.

Ask your Greene Insurance Group agent for additional information.

Most states have insurance laws that require drivers to have at least state minimum liability insurance.

These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual.

Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.