We would need a copy of your insurance declarations sheets, all your driving information, and updates on your home. After we quote, we like to do a thorough review so you’re aware of all the coverages you could purchase and might need.

An accurate insurance quote is one that reflects the coverages you actually have today, the risks you actually carry, and the discounts you actually qualify for. To produce that, an agent needs real information — not estimates, not guesses, and not whatever you remember off the top of your head. Here is what to gather before the conversation.

The Three Things We Always Ask For

There are three categories of information that matter most for a personal lines quote: your current declarations pages, your driving information, and updates on your home. Each one feeds a different part of the quote, and missing any of them creates the kind of gaps that show up later as price surprises or coverage gaps. If you want a primer on the dec page specifically, our note on whether you need your declarations page for a quote covers it.

Auto Information We Need

For an accurate auto quote, we need details on every vehicle and every household driver:

1. Year, make, model, and VIN for every vehicle
2. Estimated annual mileage and primary use (commute, pleasure, business)
3. Full name, date of birth, and driver’s license number for every household driver
4. Any tickets, accidents, or violations in the last three to five years
5. Current liability limits, comprehensive and collision deductibles
6. Whether you want roadside assistance and rental reimbursement

Forgetting to list every household driver is one of the most common mistakes people make. If you’d like to see how that plays out, our note on roadside and rental coverage and the broader guide on comparing auto coverage line by line show how granular this gets. You can also start an auto insurance review with us directly.

Most missed savings and missed coverages trace back to incomplete information at the quote stage — not to anything wrong with the carrier.

Home Information We Need

Home quoting has gotten more detailed in the last few years. We need the year built, square footage, construction type, roof age and material, heating and electrical systems, plumbing type, and any recent updates. Pools, trampolines, dogs, and detached structures matter. So does whether the home has a finished basement, a sump pump, or a history of water claims. Our explainer on whether you have enough homeowners coverage walks through the limits we look at, and the homeowners insurance overview shows where each piece fits.

What Happens After the Quote

Producing the number is only half the work. After we quote, we like to do a thorough review so you’re aware of every coverage you could purchase and might need — water backup, scheduled jewelry, an umbrella policy, flood insurance, identity theft. The review is where the coverage conversation happens, and it’s where most customers discover the two or three endorsements they didn’t know existed. If you’d rather start the conversation now, request a personal insurance quote and we’ll send the document checklist back.

If You Have Business Coverage

The same logic applies on the commercial side, but the document list is longer — payroll, class codes, prior loss runs, certificates of insurance, and any contractual insurance requirements. Our guide on business coverages to review before switching covers the commercial intake. You can begin a commercial insurance quote with the same approach.