Buying a car insurance policy can feel overwhelming at first.

You’re presented with a variety of coverage types, costs, and other considerations, and it’s hard to keep it all straight or know if you’re making the best choice for yourself.

To help make this process go much more smoothly for you, we’ve put together a list of 5 questions you should ask when you buy a car insurance policy.

What kind of coverage do I have?

Maybe you decided to go for a minimal policy that just gives you the coverage the state requires, or perhaps you opted for a more extensive policy with comprehensive and collision insurance.

Either way, you need to know exactly what kind of car insurance you have so you’ll know what you’re protected against.

What is my deductible?

It’s important to be aware of what the deductible on your auto insurance policy is. This will help you decide if you should make a claim, or if it’s better to hold off since the cost of your deductible exceeds how much you’d receive back in a claim.

Who is covered under my policy?

Maybe you’re the parent of a teenager who’s planning to get their license soon, or maybe you lend your car to a friend on occasion. Either way, be sure to ask your insurance provider exactly who’s covered under your auto insurance policy.

What discounts am I eligible for?

There are all kinds of auto insurance discounts you might be eligible for that you didn’t know about!

Here are just a few of them:

  • Safe driving discounts
  • Bundling discounts
  • Paperless discounts
  • Multi-vehicle discounts

What happens when I make a claim?

Different insurance companies have different ways of dealing with auto insurance claims. One of the questions you should ask is how their claims process works, including if they pay mechanics directly or if you’ll be reimbursed after repair work is done, for example.

If you have more questions about car insurance policies, we’re here to help! Call us today and we’ll get to work for you.