Looking for car insurance? Ask your insurer these questions.
Purchasing auto insurance for the first time or switching providers can be somewhat of an experience. If you are looking to find reliable coverage while saving money, take a look at these questions to ask your insurance agent.
How much coverage do I need?
Everyone’s coverage needs will be different. If you are financing or leasing your car, then you may need a minimum amount of coverage to satisfy your bank, which is typically comprehensive and collision cover in addition to liability. If you have an older vehicle that has little value, you may choose not to get comprehensive coverage. Remember that you will need the state’s minimum amount of coverage, too.
What does my auto insurance cover?
Although this question may seem like a given, the majority of motorists do not know what their policy covers when they walk out of the insurance agency’s door. Ask your agent to walk you through the finer details of your policy, including bodily injury liability, property damage liability, personal injury protection, and any other coverages you may have added on. This will help you to understand what coverage you need to fill in the gaps.
How can I reduce my car insurance premium?
One way to cut costs is to ask about insurance discounts. If you have multiple cars with the same company, you will typically qualify for a multi-car discount. Perhaps you have a teen driver who is also getting good grades. He or she may qualify for a good student discount. Ask your insurer about the best ways to save without reducing your coverage.
The right auto insurance does not have to be hard to find. Get started on your tailored auto insurance by contacting the professionals at Mayer Insurance, serving Apple Valley in Minnesota and surrounding areas.