This is important because your legal name helps accurately match for better rates.

Even if you got married, but you haven't changed your information at the DMV.

It saves you money to have an email address on file.

If we don't know your number we can't contact you.

At Rick the Insurance Guy, we understand that phone calls can be difficult during your busy day. That's why we offer texting as a convenient and viable form of communication. Feel free to reach out via text for quicker and easier assistance!

Believe it or not insurance carriers communicate with the DMV, if this doesn't match this can lead to you paying far more in premiums if it's not accurate.

This is important not for us to upselI you and talk you into bundling but because it can change your premium by up to 25% based on the carrier. If your name is not on the mortgage, deed, lease, or rental agreement then "Other" is the choice for you.

You DO NOT have to provide this information for you to receive a quote if you do not wish; however, providing this information often results in much less expensive quotes.

We don't need to know where you work, just the industry you are in, some carriers even give discounts for servers, and cashiers.

We understand this is a sensitive topic, and we will respect you no matter what. However, insurance premiums are set by the carriers, and legally we still have to know your gender assigned at birth.

Please include additional drivers names, driver's license number, date of birth

Include Year Make Model VIN

The DMV will match this to you in the end. The difference is it helps us find the right carrier. Some carriers just won't issue a policy if you haven't been licensed a certain length of time.

The DMV will match this to you in the end. Some carriers have strict requirements and this information just helps us find the right one for you.

Starting a policy the same day you pay for the policy can make your premium go up as much as 15% with some carriers. Starting it a week from the day you pay can often help your premium be lower.

Carriers charge more for usage purpose of some vehicles. Why? The risk of you having a total loss on a garage kept vehicle that you drive twice a year is far less than the grocery getter, and soccer mom taxi you drive daily.

Legally if you have a loan on a vehicle we have to notate that and send the proper documents to your finance company.

Legally if you have a loan on a vehicle we have to notate that and send the proper documents to your finance company.

We don't want to quote you with the same company you already are dissatisfied with.

Some carries do not report to the insurance databases. Some carriers give you significant discounts based on how long you've been continuously insured.

Many people don't understand this portion so this is a very simple explanation:

Auto insurance liability amounts are the limits of how much your insurance will pay if you're at fault in an accident.

For example, if your coverage is 25/50/25, it means:

• $25,000 for one person's medical bills,

• $50,000 for everyone’s medical bills in the accident,

• $25,000 to fix their car or property.

If the damage costs more than your limit, you may have to pay the difference.

If you are new to ride sharing like Uber, Lyft, Turo, Getaround, DoorDash, etc. and they have requested proof of your Ride Share Endorsement let us know, and we will make it less scary.