For those families and individuals that have more than one vehicle, here are some considerations for auto insurance.
The kind folks at Kingdom Tree Insurance Group, serving Tallahassee, FL and the nearby areas, recommend that you get started by making a spreadsheet of all the information about the vehicles.
Here is the information needed for each vehicle:
- Vehicle Identification Number (VIN): Each car has its own VIN. It will be listed on a metal plate that is usually located under the door, in the driver’s door-opening area, or on the driver side where the windshield meets the dashboard. Check your vehicle owner’s manual to find the exact location. If you do not have a manual, you can call the dealership or go online to find where the VIN is located for your vehicle’s make and model.
- Make, Model, Year: The make of the vehicle is the name of the manufacturer (such as Ford), the model is the brand name of the vehicle (such as Ranger), and the year is the issue year of the model.
- Mileage: Note the mileage shown on the odometer located on the dashboard.
- Lienholder: If there is a loan on the vehicle, this is the name of the lender along with the contact information for them that includes the mailing address, telephone number, and email address (if available).
- Specifics of the Vehicle: How and where is it stored? Does it have any anti-theft device or car alarm? How many miles per year is it usually driven? Is it used for a daily commute?
- Information about the Drivers: Name, DOB, age, and driver’s license of all drivers.
It is usually a better idea to insure all the vehicles using the same underwriter. If a vehicle is especially valuable, it may be a better idea to restrict the drivers in the family to the older, more mature persons. Any teen drivers will usually cause rates to be higher.
Bring all the information and make an appointment to get a quote from an agent at Kingdom Tree Insurance Group in Tallahassee, FL or submit the information online if that is more convenient.