5 Questions You Should Ask Your Car Insurance Agent

Posted on: 4 April 2022

If you have to get a new car insurance policy, it is important to schedule consultations with several car insurance agents.  Doing this will help you choose the right car insurance company for your budget and needs. During each consultation, do not hesitate to ask questions.

Here are a few questions that you should ask your car insurance agent.

What Type of Coverage Do I Need?

There are several types of car insurance policies. Drivers are typically only required to have liability insurance, which covers you if you caused a car accident. The coverage will pay for the other driver's property damage, medical expenses and other fees.

However, it may be in your best interest to purchase additional coverage. For example, your insurance agent may advise you to buy collision coverage, which pays for your car repairs, regardless of who caused the accident. He or she may also recommend comprehensive coverage, which covers damage from non-accident events, such as storms and vandalism.

Can I Let Anyone Drive My Car?

Car insurance companies may have certain rules about who can drive your vehicle. Before you allow your teen to take your car to the movies or let your friend borrow your car to move, ask your insurer if it is okay.

How Can I Pay?

Most car insurance companies allow you to pay your premiums in multiple ways, such as monthly installments and quarterly payments. Remember to ask your car insurance agent about your payment options.

Do I Qualify for Discounts?

Take any discounts you can get. For example, if you have a student driver at home who is on the honor roll, you may qualify for a discount. Likewise, if you have certain safety features in your vehicle, you may score a discount. Ask your agent about the discounts you qualify for.

What Will My Deductible Be?

The deductible refers to how much you have to pay for damage before your insurance company pays anything. Do not forget to find out how much your deductible will be. If you do not think that you can afford to pay the deductible, you should talk to your insurance agent about lowering the amount and increasing your premiums.

These are all great questions to ask your car insurance agent. If you have to purchase car insurance, you may want to set up a meeting with a car insurance agent as soon as possible.