If you are a driver, you know that you must assume financial responsibility and purchase car insurance for at least the minimum required by your state. Always try to be a smart buyer and do some research before signing any deal. Inquiring for discounts, scanning for local insurance companies, getting free auto insurance quote online and comparing prices are all great ways to save money and buy a beneficial policy. When you reach face to face with the insurance agent, you must ask the following questions:
- What are the events covered by the policy? Asking your agent what your auto insurance policies cover might seem a no-brainer, but the majority of auto insurance customers know very little about the bought coverage or how it works. Ask your agent to explain the details of each policy. Focus on items such as who is covered in the event of an accident, how much each policy covers in regards to claims or damages, and what kind of deductibles you can access.
- What happens when you cause an accident? In most states, the auto insurance laws use the tort system, which leaves you and your insurance company liable if you should cause an accident. Ask your auto insurance agent to tell you about how much you’re going to have to pay out if you cause the accident.
- Ask about the discounts offered by the company. Most insurance companies have a huge selection of discounts for everything from having a car alarm installed to being a member of a certain organization. Get your agent to talk about that and find out for which discounts you may apply
- How will the company handle an accident with an uninsured motorist? Again, this is related to the tort system in which the guilty driver pays for injuries and property damage. Find out how you can be protected by your insurer if you are hit by an uninsured driver.
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by Ciprian Gurgu