Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email:

Shopping for Car Insurance? What do you need to have in order to get an estimate.

You have put it off long enough, it's time to start looking for car insurance

shopping for car

I am going to share with you what to have ready before you call your local Champaign -Urbana insurance agent so you can provide all of the required information in just one phone call or email and try and take some of the hassle out of the process for you.


There are many factors and variables that go into calculating insurance rates, but I do still get people calling me thinking I can tell them how much will be to insurance a 2001 Ford with no other information. We need to know much more about you, any other drivers, the car(s) and where you live to get solid numbers for your proposal.

Part 1 - The Drivers

  • We will need the name of each driver (as it appears on their drivers license)
  • The address where each car is parked/garaged
  • Do you own your home or do you rent? (potential discounts here)
  • Are you currently insured? 
  • If so with who? (potential discounts for some companies)
  • When does your current policy expire?
  • How long have you been insured with them?
  • The birth-dates of each driver
  • Each Drivers License Number
  • Each Drivers Social Security Number
  • A listing of each drivers ticket and accident history for the last 5 years. If you don't know don't worry, do your best to remember or ask the agent to run your MVR (Motor Vehicle Report) and Loss Reports. These reports will list any accidents or insurance claims that you have been a part of as well as any tickets on your driving record.

TIP- Be honest and up-front with any claims or driving infractions. The MVR and Loss Reports must be ordered before we can start your policy so it's better to find out sooner rather than later and then you will get a more accurate proposal from the start.

Part 2 - The Car(s)

  • We will need to know the Year, Make and Model of each car
  • Is there a sub-model of the car? (Think XLT, GT, EX for example.) Most cars have several different submodels and the prices can range quite a bit between them.

TIP- If you have the VIN for each car it will narrow it down greatly and give you a more accurate proposal.

Part 3 - The Coverage

  • We will need to know what level of coverage you want for each car for Liability limits. (if you have not reviewed your insurance for a few years you may not have the correct coverage for your situation)
  • What deductibles do you want for collision and comprehensive coverage or do you just want liability coverage.
  • Do you want roadside assistance or rental reimbursement coverage? Most people leave this off when getting a quote looking for the lowest price, but are surprised to find they don't have the correct coverage when it is time to file a claim. 

TIP- Have your current Declarations Page from your insurance company.  (If you have this it will save you a lot of time and hassle)

  • It will have your current coverage limits
  • It will have the VIN for each of your cars listed
  • It will have the effective and expiration dates of your current policy

That's it. If you can have that information on hand before you give Rueck Insurance a call at 217-355-9075 it will make the process much easier for you and take less of your time.  You can even fax us the information at 217-355-9096.


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About Us

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

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