Here are the Important Questions to Ask Your Car Insurance Agent

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What to ask your auto insurance agent.

As a driver, you know that you need to secure auto insurance.  However, you may not know very much about this coverage.  This is why it’s so important to partner with a trustworthy agent and ask them a ton of questions.  Here are some of the important things to ask.

Which coverages are most important?

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
  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist
  • Personal injury

Can I access 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
  • Paid-in-full
  • Policy bundling

Who is covered under the policy?

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.

These are some of the important questions to ask your auto insurance agent.  Do you have additional inquiries about your car coverage?  If so, then contact the experts at Udell Family Insurance.  We are ready to assist you with all your coverage needs today.

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