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auto insurance questions

Top 5 Auto Insurance Questions to Ask Your Agent

Buying insurance may not be the most intuitive experience. Thankfully, an insurance agent is the best resource you have when shopping for auto insurance! They are able to answer your questions and help you get the coverage you need to protect you, and your family. When you are shopping for an car insurance policy, make sure to ask your insurance agent these ten questions. By being informed, you can make better decisions on how to get the protection you need.


  1. What coverage do I need?

While this question is relatively straightforward, it’s important to ask. Because everyone’s situation is different, you may have different needs. Making sure that you have the type of insurance coverage for your vehicle is important. There’s also different types of auto insurance coverages including:

  • Collision
  • Comprehensive
  • Uninsured and underinsured motorist protection
  • Personal Injury

Depending on what state you live in, the required coverage could differ as well.You should also ask about your coverage limits. This is the maxiumum amount that your auto insurance policy will cover. You should make sure your coverage limits are enough so that you don’t end up paying a lot of money out of pocket/


  1. What discounts am I eligible for?

You should always ask your insurance agent about potential discounts! You may be surprised on what you could save. There are plenty of discounts such as:

  • Safe driver
  • Good student
  • Safety features
  • Paid-in-full
  • And more!


  1. What is my deductible?

The deductible is the amount you need to pay out of pocket before your insurance coverage kicks in. There are various factors that can affect your auto insurance premium. Often, you are able to reduce your premium (which is the annual cost of your car insurance) by raising your deductible.


  1. What is covered if I am in an accident?

Be sure to get the specifics on what happens if you are in an accient. You should also ask questions like: what if the other driver is injured? What happens if someone else hits me? What exactly is covered? While these scenarios are unpleasant to think about, it’s important to consider them in the event something happens.


  1. Who is covered in this policy?

If you have others in your family, you want to make sure they are covered too. If your children or spouse plan on driving, then they should be covered in the policy.  Often, it’s cheaper to put your family on one policy rather than having multiple car insurance policies. But, if your kids have moved out or don’t need to be on your policy anymore, then ask your agent about that too. You don’t want to skimp on coverage, but you also do not want to overpay either!


Whenever you are in doubt or are confused about car insurance, ask your agent. They are there to help you get the best coverage for your specific situation. Everyone is different, which is why you need to ask the right questions to get the right coverage. Auto insurance is there for when accidents happen. Although you never want to use your auto insurance, it’s a necessary thing to help protect you financially.


Call an Encharter agent today at 888.754.8299 and ask about getting the right auto insurance policy for your family!

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