Auto Insurance Questions You Should Ask Your Agent

 In Auto Insurance, Blog

Important Questions You Should Ask When Getting a New Car Insurance Policy

Buying a car insurance policy is a significant transaction. Not only will it protect your investment, but it can also protect the life of others. Despite its importance, many people prefer to cut corners on cost and end up choosing their policy based on the premium price, and that’s not necessarily a good thing.

Your insurance agent is the best person to help you make sure you get the right balance between price and benefits. Don’t be afraid to ask questions. That is the person that can advise and help you make the best choice based on your insurance needs. Here are 4 of the most critical car insurance questions you should ask your agent before buying an auto insurance policy.

Do I Have Proper Insurance Coverage?

How much coverage you need might depend on the state where you live. Most states will require you to have liability insurance, as a minimum. From there on, it’s all about finding the type of car insurance that works best for you. That could be comprehensive, collision and other kinds of insurance.

What Can I Do to Save on Insurance?

It’s only natural you want to know if you’re getting any discounts when you’re getting your new insurance policy. The thing is, the starting price of premiums is set upon the risk it represents for the insurance company to insure you, and the likelihood that you’ll make a claim in the future. However, there are things you can do that can positively affect your car insurance premiums.

Important Questions You Should Ask When Getting a New Car Insurance Policy

What Does My Car Insurance Policy Cover?

Having an auto insurance policy doesn’t automatically protect you from everything that could go wrong related to your vehicle. You need the right coverage to protect you from a variety of situations. Liability insurance will pay for damages on someone else’s vehicle or property if you cause an accident. Comprehensive coverage protects you against theft, vandalism, and the likes. Bodily injury insurance covers expenses such as medical bills, rehabilitation, etc., in case someone is harmed in an accident you caused. Depending on your needs, you may require additional coverage options.

What Are the Expected “Out-of-Pocket” Expenses If Involved in an Accident?

Depending on the circumstances of the accident, as well as your deductibles, policy limits and coverages, the amount of money you’ll have to take out of your pocket to cover certain expenses will change. Study your policy with your agent for detailed information in case of an incident.

As an independent insurance agency, AAI Central can offer you a wider variety of insurance options that you would find at a captive insurance agency. Our goal is to provide you with the best options and the best information so you can make the choice that’s right for you. Contact AAI Central today!

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