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Questions for auto insurance companies

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Finding cheap car auto insurance can be a challenge for anyone, which is why many people look for an online car insurance estimate. Unfortunately, car auto insurance quotes can be a difficult Before buying a policy, however, it is important to ask you insurance company these five questions to make sure you’re getting the right policy for you.

  1. Does this policy meet my state minimum coverage? Every state has different insurance requirements that drivers have to meet. While this is typical a bare minimum designed to provide a small amount of protection to the other driver in the event that you are at fault in a car accident, it is critical that the policy you buy meet your state minimums. Otherwise, there is the possibility of getting cited for lack of insurance.

  2. What does this policy cover? Some policies cover only the minimums required by the state, while others cover any kind of damage from an accident to a natural disaster. Every policy is written differently, so it is critical that you understand exactly what your policy covers. Waiting for an emergency to happen is not the time to discover that your damage isn’t covered.

  3. Will increasing my deductible lower my premium? Increasing your deductible used to be the best way to get cheaper car insurance. Today, however, it is common to discover that this may only save a customer a few dollars a month. Nonetheless, it is worth it to ask if this could save you money.

  4. How do I make a claim? Having auto insurance is a requirement, but it is only a good investment if it covers you in an emergency. In order to do this, you will have to make a claim on the policy. Find out how you go about making a claim before you have to make one. Some policies will require you to transport your car to a central office, while others will send an insurance adjuster to your house. After the total amount of damage has been calculated, it is also important to know how your policy will pay out. Learn now if you’re expected to pay your deductible to the insurance company who will then arrange to repair the car, or if you can receive a check and choose your own repair shop.

  5. What discounts could I qualify for? There are a lot of different discounts offered by insurance companies today. Buying your policy online, having good grades or a high credit score, and getting your car serviced regularly can all help to lower your premium. In addition to finding out what discounts you qualify for right now, it is also important to learn what discounts you could qualify for if you make changes to your behavior and driving habits.

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