Important Car Insurance Questions to Ask Your Agent
Maybe you found an insurance company that you want to work with, or perhaps you’ve just begun your search. Either way, you may have questions for your car insurance agent.
As in many situations, knowing the right question to ask may help make better decisions.
Car insurance questions may be hard to come up with if you are unfamiliar with the terms or various options available to you. This article will discuss helpful questions you may want to ask your car insurance agent to help you understand what discounts are available to you and/or what your car insurance policy is actually providing such as liability auto insurance.
1) What is covered in an accident? This is a very important car insurance question because this is one of the many reasons why we get car insurance: to be covered in an accident. What possible situations might you need help with?
a. Replacing broken car parts: You’ll want to know how parts for your particular vehicle are handled. Do you have to go to one of their mechanics? Are all parts covered? Does it depend on the type of accident?
b. Coverage if you car is totaled: Different policies deal with totaled cars in different ways. Do you have a loan? Might there be a difference in the amount the car insurance helps cover and the amount owed?
c. Medical expenses and lost wages: What happens if you are injured or another party in your accident is injured? Knowing how much is covered and who is covered is an important car insurance question to ask.
2) What discounts are available to me? We all want to save where we can. Finding the best rate is more than likely a main objective on your list to finding car insurance. Many companies offer discounts. Find out which ones might be available to you:
a. Good Student: Are you a student or do you have a student on your policy? Some car insurance companies offer discounts to students who accomplish steady good grades.
b. Safe Driver: Is your driving record clear of tickets and violations? Have you taken a defensive drivers course?
c. Lump Sum: Are you able to pay your premium in one lump sum? Some car insurance companies offer discounts if you are able to pay the policy’s premium in one payment.
Car insurance questions are vital to finding the best car insurance for your needs. Write down all the car insurance questions you have beforehand. Knowing what to ask may help save time during this tedious process, and reduce the stress that comes with looking for cheaper rates. For more information about the differences between auto insurance policies, read our article regarding car insurance quote comparisons.
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