Questions You Should Ask Your Car Insurance Representative

Buying auto insurance for the first time can be somewhat a tricky experience. However, there is no harm in asking for a second opinion if you don't know where to start. Most people get it wrong because they don't ask for clarification. Unless you are conversant with the entire process of buying car insurance, you should ask a car insurance agent to help you. 

The agent will answer all the questions you might have and advise you on how to get the most of an automobile policy. So, if you are in the process of shopping for car insurance, make sure you ask your agent the following questions. 

What Kind of Coverage Is Ideal for You?

As a newbie, there is a likelihood that you have no idea which coverage you should get. Most states mandate drivers to have liability insurance. With liability insurance, you can cover the cost of vehicle damage, property damage, injury, death, and legal fees of the aggrieved party if you are at fault. 

Every state requires you to have this coverage before you are legally allowed to drive a car. But is this coverage enough? No, you will need more coverage as well. Your car insurance agent might recommend the following coverage:

• Collision
• Comprehensive 
• Personal injury protection
• Uninsured and underinsured motorist protection

Are There Any Discounts?

Most insurance companies, if not all, offer discounts, but you might not know about them. Insurance companies won't tell you about these discounts automatically. It is your job to inquire about the discounts. 

So, if you want to save some money, ask your car insurance agent whether there are any discounts you can take advantage of. Discounts are available if you are a safe driver or a good student, if you own a home or own multiple cars, and if you have a hybrid or electric car or multiple policies. Ask your agent to ensure that you are getting all the discounts for which you qualify.

What Is Covered If Your Car Gets Damaged in an Accident?

Most car owners assume that their insurance companies will cover the cost of repairing or replacing your car. Unfortunately, that's not the case if you don't have the right coverage. As mentioned earlier, liability insurance might not be enough for you as a driver. You need to invest in both collision coverage and comprehensive coverage so that you are protected against accident-related and non-accident damage.

Before you purchase any policy, it is essential to have your car insurance agent answer all your questions. Work together with your representative to create an insurance policy that addresses all your needs.