When it comes to choosing the ideal auto insurance policy, many of us let premium price drive our decisions. But taking shortcuts on cost could leave you underinsured and overexposed to the risks of the road. That’s the last thing you want to make do with after spending a lot of money in purchasing your dream car.
Luckily, it is easy to strike the perfect balance between affordability and adequate coverage when you are equipped with the right information. Bear in mind your insurance representative is a valuable resource, especially when comparing car insurance quotes.
Asking these questions before you purchase a car policy can help you get the protection needed at a price you decide is ideal for you!
Do I Have All the Coverage I Need?
How your insurance agent responds to this question depends on where you live. At a minimum, most states require drivers to carry liability insurance, which covers the cost of accident-related injury, death, vehicle damage, property damage, and legal fees. Once you meet the minimum requirements, be sure to ask your insurance rep to explain and recommend additional coverage options best suited for your individual needs.
What is Covered if My Car is in an Accident and Someone is Injured or Dies?
Offering protection to drivers, passengers and pedestrians who are injured in an accident is a top priority. No wonder bodily injury liability insurance is the most important auto coverage a driver can have. This type of coverage covers accident-related expenses such as hospital and medical bills, lost wages, rehabilitation and legal fees.
Even though bodily injury liability insurance tends to be a requirement in most states, the minimum level of coverage may fail to offer adequate protection. Always ensure you discuss policy limits with your insurance representative before purchasing auto insurance.
Asking your insurance rep the right questions regarding your coverage from the word go ensures you get what you need without feeling the heat. Keep in mind it always starts with hiring an experienced car insurance agent with a clear understanding of what the industry offers.