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We can tell you the following is a legal disclaimer, and you won't do anything but scroll past the disclaimer and get straight to the quote questions (scroll down a ways and you can get straight to it).
 

However, the biggest take away from below is that Rick the Insurance Guy keeps your information safe, secure, encrypted, and your information is always kept under lock and key. 

We understand that some questions on the intake form make you ask "why do you need to know that?" To ease any anxiety, we provide clear explanations along the way, helping you understand how each question contributes to offering more affordable insurance prices. Your privacy is important to us, and we’re committed to being transparent throughout the process.  Below we have provided very important details about the information requested and answers for why each piece of information is important to the price you pay for your insurance as well as how your information is safeguarded to keep your information secure, and private.​

Click for our full privacy policy

Quote Request

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.

Do you prefer phone call or text?
Call Me
Text Me

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!

Day you were born
Month
Day
Year

Current Legal Address

(If you recently moved please let us know)

Legal Address (With the DMV)
How long at your address?
1 Year or less
1-3 years
3-5 Years
5 Years or more

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.

Do you own or rent your home?

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.

Gender Assigned at Birth
Male
Female

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

How many years have you been licensed
Less than 1 year
1 - 3 years
3-5 years
More than 5 years

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.

Do any of the following apply for you or any other drivers for your policy in the last 5 years?

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.

Primary use of vehicle

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.

Is the vehicle financed
Yes
No

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.

How many years have you had your policy with your current carrier?

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

Liability Coverage Amount Desired
$25,000/$50,000/$25,000 (South Carolina State Minimum)
$50,000/$100,000/$50,000
$100,000/$300,000/$100,000
Other Coverage Amount

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.


Other Coverages

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.

Do you need any additional coverages?

 

© 2025 by Rick The Insurance Guy

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