The Car Itself
Make, model and roughly how old it is. Whether a lender still holds a stake matters too, since that alone rules some coverage choices in and others out.
Send your question about a policy and I read it myself. No queue at the other end, and no script waiting to be read back at you.
Tell me what your policy says and what you think it means. The space between those two is almost always where the answer is hiding.
If your question is about one line on a renewal notice, quote that line in your message. It saves a round trip and I can answer the thing you actually asked.
None of it is required. All of it means my first reply is an answer rather than a set of questions.
Make, model and roughly how old it is. Whether a lender still holds a stake matters too, since that alone rules some coverage choices in and others out.
Copy the wording straight off the policy or the quote. Paperwork phrasing shifts between insurers, and the exact words usually decide what the answer turns out to be.
A move, a new driver in the house, a longer commute, a loan that finished. Changes like these are what push a policy out of step without anyone noticing.