Things You Should Ask Your Auto Insurance Agent About

Posted on: 16 December 2019

Are you thinking about changing your auto insurance company? Are you wondering if you are getting the best auto insurance for your needs and are thinking about changing companies? Before you do anything, make sure you know just what to ask your auto insurance company agent about. This way, you can get the most affordable car insurance for your needs while still achieving the great coverage you desire. Here are things you should ask your auto insurance agent about, whether you are currently getting service from them or you are thinking about changing your coverage.

What your deductibles are

Deductibles are your out-of-pocket costs for services you get when you get into an accident or have your vehicle break down and require a tow. Your deductible varies depending on the type of insurance you already have and what your coverage includes. If you have full coverage, your collision, comprehensive, and other types of damages will require a deductible in many cases that will usually be cheaper than the costs associated with the damages caused.

When you just have liability, however, you may have a higher deductible or even no deductible at all, putting you in a position to have to pay for your damages out of your own pocket. So, if you want the best coverage for your needs, learn what your deductibles are and what they apply to. If you want lower deductibles, you'll have to change your premium or do other changes to your account.

What your discounts are

Can you get a discount for having a clean driving history? For being married or above a certain age? For using the same company to do both your auto and your homeowners or renters insurance? If you're interested in getting a better deal on your auto insurance, you should ask your insurance agent what you can do to lower the cost of your premium without sacrificing services.

In some cases, you can get a discount just for asking and having a reliable payment history. Rates are ever-changing with the auto insurance industry, so don't be afraid to ask if you can get a cheaper rate for services you're already paying for.

Your auto insurance agent will go over your policy in full to help you understand what you're paying for. Your agent will assist you in getting the most out of your services so you can get the most out of your insurance policy, whether you want full coverage or liability services only. For more information, visit websites like