Five Questions To Ask Your Insurance Agent

Do you enjoy shopping? Maybe for clothing or a new tv. However, rarely does anyone enjoy shopping around for car insurance. Yet, it is important to take the time to shop around for car insurance to ensure that you get the best price and find a reputable company to work with. Someone living in Los Angles will have different insurance needs than someone living in Albuquerque. When talking to prospective companies, make sure you ask your insurance agent the following five questions:

1. Am I getting every discount the car insurance company offers? You should not have to pay more for your car insurance than is necessary, so make sure you get your discounts.

2. What type of coverage do I have (comprehensive/collision) and is it worth it? It is imperative that you understand your coverage so you know what to expect in case of a future claim.

3. Does my policy include uninsured motorist coverage? You want to protect yourself in case you get in an accident with someone that has no insurance.

4. What happens if my car is totaled and how much will the insurance pay?

5. If I need parts for my car, does the insurance company pay for original manufacturer parts? Some companies do not. If you have a newer car, you will want good parts.

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