Q.What kind of information will I need to provide when I am applying for an insurance policy? Why do insurers need so much information? A. When you apply for an insurance policy, the agent might ask you your name, age, gender, address, etc. In addition, you will be asked a number of other questions which will be used by one of our partnering insurance companies to determine how likely you are to make a claim. For example, when applying for an automobile insurance policy, an insurance company will want to know information regarding person's previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured. This information helps the insurance company to decide whether or not to offer automobile insurance to the potential customer.
Different programs are available for different customers with varying insurance needs. Using automobile insurance as an example, adults with good driving records will generally pay less for auto insurance. Young drivers with traffic tickets will generally pay higher premiums. Another factor that determines the cost of insurance would be the distance traveled every day while commuting to work. Information about the vehicle you drive, and how you drive it, is also needed to determine a fair price for the automobile in the event of a claim.
Q.What are the advantages to using an agent like a Ford Insurance Advisor to purchase insurance? A. At the Ford Insurance Agency, you will receive more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. Being local as well as being an independent agency, we are able to deliver quality insurance with competitive pricing along with the highest level of personalized service.
