Once you settle on a provider and policy, you’ll need to hand over some information, including:  Whatever you do when buying auto insurance, don’t lie. Insurance providers will order reports to confirm your driving history. There’s no hiding from the past, says Dyer, so make sure you declare all past accidents and tickets as best as you can recall. As well, you should also always pay your premiums on time. Non-pay cancellations will result in significant increases to your annual premium.