What Questions Should You Ask Your Car Insurance Agent?

No matter how old you are or what type of vehicle you drive, it is important to have adequate auto coverage. Not all car insurance policies are created equal and you should take the time to shop around for the best policy. When you are talking to a car insurance agent, don't be afraid to ask plenty of questions.

Here are a few questions you need to ask.

What Type of Coverage Should You Get?

Most states only require drivers to have liability coverage, which covers the other driver's medical costs and property damage if you are at fault during an accident. However, that does not mean you should not purchase other types of coverage too. For example, if you have a brand new vehicle, your car insurance agent may suggest purchasing collision and comprehensive coverage as well.

Are Other Drivers Covered Under Your Policy?

There may come a time when a member of your family or a friend borrows your vehicle. Ask your car insurance agent if your policy will pay for the damages if someone else causes an accident while driving your vehicle.

Why Is the Premium So Expensive?

If your car insurance agent gives you a quote that seems very high, do not be afraid to ask why. In order to lower your premium, you need to know why it is so high in the first place. For example, if you have a low credit score right now, you can work hard to improve it and get a lower rate in the future.

Do You Offer Any Discounts?

Before you leave a meeting with your car insurance agent, remember to ask about discounts. You may qualify for one and not even know it. For instance, if you do not drive many miles a year, you may get a discount for that.

What Is the Deductible?

Your deductible refers to the amount of money you have to pay out of pocket before your insurance begins to pay. Your car insurance agent can help you choose a deductible that aligns with your budget and lifestyle. For example, if you can afford to pay a higher premium, your insurance agent may suggest getting a lower deductible.

If you ask these questions during your meeting with a car insurance agent, you can obtain the right auto insurance policy. Your car insurance agent should be more than happy to answer your questions.