If you're shopping around for insurance, it can get confusing. There's a lot of information being thrown at you, and you may only be worried about the monthly payment, but you should also be considering how much coverage you're getting as well. If you aren't sure what questions to ask your potential insurance agent, read on for a few to ensure you are well-informed before you invest in an insurance policy.
Do You Offer Multi-Policy Discounts?
A lot of insurance companies will offer a multi-policy discount. If you have a few auto insurance policies, your mortgage insurance, life insurance and other types of insurance coverage are with one insurance, it can equal a hefty savings for you. Figure out how much money you could potentially save, and have all of your policies with one insurance company rather than at several.
Does Age Matter?
Will your insurance rates change as you age? Will they get lower, or will they go down? Sometimes younger drivers cost more to insure than someone that is middle-aged. Talk to your insurance agent about rates and how ages affect these rates. You don't want to be in for a shock because your teenager just got a driver's license and needs insurance coverage. You also don't want to be surprised when you turn 60 that your insurance rates have gone up.
What Is The Deductible?
The deductible you have to pay after an accident or a claim is filed is a big deal. If the deductible is too high, you may not be able to afford it. On the other hand, a higher deductible may mean a lower monthly rate. You have to weigh your options, but don't make the deductible too high that you aren't able to pay it when the time comes. Be sure you have this information ahead of time.
Is There A Local Insurance Office?
Sure you can look up information on-line and talk to a customer service representative over the phone, but it's nice to talk to someone in person as well. Ask if there is a local office where you can speak to someone directly. Some people feel more comfortable when they can speak to someone in person about their insurance coverage and other personal information.
When looking for auto insurance coverage, you want the best you can get for your money. Ask the questions above to ensure you are informed and find the best coverage for you and your family. Contact an agency, like Affordable Insurance, to get started.