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Questions to Ask Your Car Insurance Agency


When it comes to buying insurance for your car, most people tend to focus on the premium drive alone. While there is nothing wrong with cutting corners on cost, rest assured it could leave you overexposed to the risks of the road. Fret not, though, since it is now possible to strike the perfect balance between cheap car insurance and adequate coverage.

Arguably one of the best routes you can follow, in this regard, lies in leveraging your partnership with a car insurance service provider. Before you purchase a car policy, here are two questions you need to ask your car insurance agency.

What Coverage Do I Need?

This is one of the questions you risk skimping on in an attempt to land yourself cheap car insurance quotes. However, this can mean extra costs in case of an accident or damage to your care. Bear in mind the answer to this question depends on where you live. At a minimum, you need to have liability insurance as it covers the cost of accident-related injury, vehicle damage, death, property damage and legal fees.

Once you meet the set minimum requirements in your state or country, be sure to ask your insurance service provider to explain and recommend additional coverage options that best fit your needs. These may include comprehensive, collision, uninsured and underinsurance motorist protection. Only sign the dotted line when fully satisfied with the coverage you get.

Will I Have to Get Back into My Pocket after an Accident?

Sometimes, you insurance carrier might ask you to pay some money after being involved in an accident. The amount of money you have to pay-out-of-pocket for accident-related expenses is based on your policy limits, deductibles and coverages.

Moreover, the insurance company also factors in the specific circumstance of the incident. To stand a better chance of keeping your monthly premiums low, it would be better to opt for higher deductibles and lower policy limits. Find time to discuss this with your auto insurance rep before taking the next step of action.

The above are merely some of the important questions to ask your auto insurance representatives the next time you meet.

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