Are you getting auto insurance coverage for a new vehicle? If so, know that the application process is pretty straightforward. In order to be given an accurate quote, you'll need to answer a few questions that help determine your insurance premiums.

What Is Your Driving Record?

An insurance agent will want to know your driving record, which means any notable moving violations or accidents that you have gotten into. You want to be truthful with this question in order to get an accurate quote, since an agent will pull your actual driving record later if you decide to move forward with the application process.

Tickets and accidents are what cause your insurance to go up, so a history of these problems could lead to a larger premium.

When and Where Do You Drive Most Often?

Your insurance agent will want to know when and where you drive your car. Most people drive during the day to go to work, but the length of the commutes can vary greatly. The more miles you put on the road every day, the bigger risk there is of getting into an accident. In addition, insurance agencies view night driving as more dangerous than day driving.

What Car Do You Own?

You will also need to provide the exact make, model, and year of the car that you are looking to insure. If you have not purchased the exact car yet, let the agent know what options you have been considering to receive multiple quotes.

The car that you drive also factors into insurance premiums in a few ways. Cars are judged based on how easy they are to repair, the safety rating of the vehicle and how much bodily injury it can cause, and how likely it is that the car will be stolen.

As you can imagine, these factors mean that a new convertible is going to cost more to insure than an older car that is not worth much money.

Who Else In Your Household Will Be Driving The Car?

Is your next car going to be driven strictly by you, or will it be shared with multiple family members? If it is the latter, each driver of the vehicle will also play into insurance premiums. Young drivers that just turned 16 will have a higher risk of getting into an accident, which can cause premiums to go up. That is why it may be worth having a teenager drive an older car for reduced insurance premiums.