subject: Be Sure To Ask All Your Car Insurance Coverage Questions While Shopping [print this page] Whenever you are shopping for any type of insurance, you need to make sure you understand the plans and the cost. Car insurance coverage questions can be plentiful because there is such variation in plans and from area to area. Be sure to ask and check out all of your concerns before you buy.
They are many ways to shop for quotes these days - online, by phone and in person. Many of the most reputable companies are available through any of these. Some people enjoy the ease of shopping for information on the internet, while others appreciate a more personal experience of speaking with someone directly.
Any reliable agency will inform you of the minimum type and amount required for where you live. You can then build upon that. One of the questions you should is for descriptions of the various types of insurance such as basic liability, comprehensive or full coverage. Then you may want to know what some of the deductibles are and the different amounts available.
You should also check out the requirements if you were to have an accident. Information as to whether you would be able to take your car in for repairs at the place of your choice, or whether you are limited to specific garages, can be important. Also ask about burglary, theft and vandalism and which plans they would be covered under.
Many companies offer discounts for being a good driver, for non-smokers and if your car is parked in a garage at night. Be sure to check these things out. If they don't offer them upfront, ask.
As with other types of insurance, the more you can afford the better for you in the chance of an accident or incident in which you need it. But, there are other options, too. Ask about trailers, if you haul an RV, boat or horse trailer. This may not be covered under a general plan, and may be additional. Also, if you rent a car on a frequent or even infrequent basis, it may cost less to have that incorporated in your regular auto coverage than to buy extra during the time you rent, which can be quite costly.
There is a lot to consider when shopping for auto quotes and being comfortable with your agent is important. Be sure to ask any car insurance coverage questions you may have and expect prompt and reasonable answers. Changing companies can be time consuming and a pain. While you can always easily change your exact plan within a company later, it is best to go with the company with which you are most comfortable and where you plan to stay.
by: Lance Thorington
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