Any other Applications Completed:  All the insurance companies we use have their own applications which must be hand written on.  Rather than us sending you numerous pages of applications to complete on your own, we've consolidated all of the questions into our online form.  After you submit the form, we will do the hand written applications for you.  We ask if you have already completed an application from another agent because if you did, we do not want to use the same application.  If you answer "Yes" to this we may contact you to ask what company you completed the application for. Current Carrier: The insurance markets for Outfitters are rather limited.  Our online form is set up to gather information that could be used for several company applications.  We do not want to complete an application for you, for the company you are already with as we would not be able to use that company for a quote (hence waste of time). Expiration Date:  If you have current insurance, we need to know what date it expires as we must get the quotes to you prior to that date. Expiring & Target Premium:  We will always try to get the best quote out of the insurance companies and knowing an expiring or target premium will give us an idea of where we need to be, however, we do not take the approach of trying to come in just a little lower than your listed expiring premium, or right on your target premium.  Why? Coming in just a little lower on your premium would be wasting your time and our time.   The best way for us to achieve writing your business and keeping your business for many years is to match or better your coverage, and come in with a price that is substantially lower that what you are paying. Side Note:  Target premiums should be within reason.  Listing a # that is outrageously low can work against our process.  An underwriter at an insurance company may see the target premium listed, do a quick glance at your operations and exposures and know right away there is absolutely no way he/she can come close.  At that point they may just stop quoting because it is not worth their time to work up a quote knowing they will be nowhere near what is needed.