Important questions to ask your car insurance agent.
As a driver, you know how important it is to have the right car insurance. Unfortunately, that might be the extent of your auto insurance knowledge. Rather than trying to navigate the world of insurance on your own, it’s far better to work with an agent that you can trust. Here are some of the important questions to ask your car insurance agent so you can make an informed coverage decision.
What coverage do I need?
Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage. However, simply meeting these insurance minimums is not enough to protect you from all the risks that you face. Typically, auto insurance providers will advise drivers to carry the following coverages:
- Bodily injury liability
- Property damage liability
- Uninsured/underinsured motorist
- Personal injury
Do I qualify for discounts?
No one wants to pay more for their auto insurance than they have to. This is why it’s important to ask your insurance provider about any discounts that they offer. You may be surprised by how many of these discounts that you qualify for. Common car insurance discounts include the following:
- Safe driver
- Good student
- Safety features
- Policy bundling
Who does my policy cover?
Before signing off on an auto policy, it’s important to make sure that it extends coverage to the drivers in your household. If you have a family, then it’s important to make sure that your spouse and children are covered under the policy. While adding covered drivers to the policy will raise your rates, this is significantly cheaper than having multiple car insurance policies for a single household.
These are some of the important questions to ask your car insurance agent. Do you need help with your auto coverage? If so, then contact the experts at John E. Peakes Insurance Agency. We are ready to get you the coverage that you need today.