The best way to get the most favorable quotes auto insurance companies have to offer is to shop around and don’t be shy. The only way you are going to get your questions and concerns answered is if you ask them. To help with the process, here are a few questions that should certainly come up while you shop around.
What kind of coverage should I get?
At the end of the day, it is going to be up to you to determine what the best option is for coverage. But the whole point of referring to a professional is to get the expert’s advice. After telling them a little bit about you and what you’re looking for, ask them what they recommend. While most states only require liability, is collision or comprehensive recommended?
What is my risk assessment?
The quotes auto insurance companies will give you are based on a multitude of factors that sum up how dangerous you may be or how much risk you pose the company when on the road. As expected, the greater risk you are the higher your rate will be. By informing the company of your age, sex, driving record, criminal record and credit rating, they will be able to evaluate your risk on the road.
Who does the policy cover to drive my car?
The most obvious answer to this question is the person on the policy, yourself! But what about your 16-year-old that just got his license? Or what about your 15-year-old daughter who is learning to drive? If she gets in an accident, is she covered? What about if a friend borrows your car and hits another vehicle? Each state and insurance company handles these situations differently.
What will be my deductible?
Whether you have been involved in an accident or fall victim to some kind of vandalism or hail damage, you will more than likely need to pay a certain amount of money known as your deductible before the insurance company pays the rest. The higher your deductible is the lower your premium will be. When looking quotes auto insurance companies can offer, ask what they recommend.
The list of questions to ask car insurance companies is broad and bulky. Everything from what discounts they have to offer to what payment options available to how your vehicle will be valued should be in question. And the more questions you ask the better you will be able to understand the quotes auto insurance companies have given.