When choosing a car insurance policy, the first thing that will probably come to your mind is the premium price. Whereas you want to opt for cheap car insurance, chances are you will be underinsured and overexposed to the risks of the road. That is a situation you never want to find yourself in since you might end up digging deeper into your pockets in the event of an accident.
The good news is that you can still strike the perfect balance between affordability and adequate coverage provided you have the right information. To pull this off, you have to use the insurance representative to your advantage. For things to turn out how you expect, here are two questions you ought to ask your car insurance agent.
What is covered in the Event of an Accident?
Most people tend to think that the insurer will automatically meet the cost of repair or replacement of your car after an accident. However, this is not always the case since the help you receive is entirely based on the type of coverage you settle on. That’s why you ought to know what is covered in the event of an accident to avoid last minute surprises.
Do I Have All the Coverage I Need?
How your insurance representative answers this question depends on the state you reside in. In most cases, you will need to have liability insurance. This type of coverage covers the cost of accident-related injury, death, property damage, vehicle damage, and legal fees. Once you meet the minimum insurance requirements, you need to enquire about the additional coverage options that will work for you. That way, you can rest knowing that you are getting nothing but the best insurance coverage available.
The Bottom Line
These are just but some of the questions to ask your car insurance representative before signing on the dotted line. Fortunately, most insurance reps will be more than ready to answer your questions without hesitation. It is then that you can choose the right auto insurance policy for your needs.