<prompt> Human: Hi PF,Im buying a car from my parents and Im going through Liberty Mutual for insurance. When speaking with an agent, he asked for the current company and policy of that car.He said that they use that to ensure a better rate for their quote basically seeing if the new owner will be keeping or upping the level of insurance compared to the previous owner. My parents are hesitant about me giving this information to the agent, as theyd never heard about a company doing that, nor why it should matter how the car was previously insured. As an example, if I had bought the car from a stranger who likely wouldnt give me their policy Has anyone had previous experience with this or if this is a common practice for insurance companies? Thanks!  <response>: Agent here. They are wording in an odd way. They just want to make sure you have proof of prior insurance as you were probably listed as a driver on your parents policy. If you have proof of prior, youll get better rates and if you dont, youre probably not even eligible.The reason is that some people buy insurance, let it lapse or have trouble paying bills. We have a lot of people who forgot to pay their bill after they had an accident. 