While it can vary by car insurance company and individual agents, some may probe when doing quotes to see the status of the vehicle to make sure you are getting the correct policy type and the correct coverage. If you have a loan
on the vehicle, you're more than likely required to carry gap and collision and comprehensive coverage. Moreover, some insurance companies won't cover a leased vehicle because of the coverage they're required to have (gap insurance). So, they could also be looking into the nature of your car ownership to avoid having to cancel the policy.