5 Important Questions to ask your Car Insurance Agent

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Before signing on the dotted line, ensure that you are getting the best deal and covering all the bases when getting auto insurance by preparing a list of questions to ask your car insurance agent. The agent will help you understand everything that you need to be included in the coverage.

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Do not shy away from asking questions, be detailed and if you do not understand something, ask follow-up questions. This is because lack of grasping all the information or misunderstanding may leave you vulnerable and suffer losses in an accident.

Questions To Ask Your Car Insurance Agent

Below is a list of five questions to ask your car insurance agent before signing on the dotted line.

  1. What Type of Coverage Do I Need?

The type of insurance coverage to get depends on the state you reside in. First and foremost, irrespective of where you live, if you own a car, you are required to have liability insurance which will provide coverage for accident-related injuries, death, auto damage, property destruction, and legal fees.

Once you know the insurance you’ve chosen meets these needs, it’s time for your insurance agent to give you a thorough explanation of each type of coverage and recommend the best ones. 

The types of car insurance insurance policies include:

  • Collision coverage:

An insurance policy helps you pay for damages if your car gets into an accident with another vehicle or object. Or if you have a natural accident like rolling over a mountain or embarkment.

This cover will help you pay for property damage if you hit a building or other people’s properties. You will be required to pay a deductible, so when selecting, consider what you can afford if you need to file a claim.

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