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Questions To Ask When Buying Car Insurance

Savings are commonly found in safe driver, continuous insurance, multi-policy, multi-car and good student discounts for those who qualify. Additional discounts may be available if you are insuring a new or hybrid/electric car, or own a home. How and when you pay can affect your premium, too. Your insurance company may offer discounts if you pay in full, by electronic funds transfer (EFT) or by payroll deduction, as well as if you pay on time.

questions to ask when buying car insurance

When you apply for a car insurance policy, you will be asked specific questions about your driving habits. This will include the distance that you commute to work or school, as well as the type of work that you do and whether or not your car will be used in connection with your work.

Most car insurance companies offer dozens of different discounts. But unless you volunteer certain information, or your agent asks you specific questions, you may never know whether or not you are eligible for those discounts.

But don't walk into the process blindly. You have to know what questions to ask when you're shopping around, because not every agent you speak with will give you in-depth info on their coverage and all of your options. The good ones will do that, but the not-so-good agents will only cover the basics. It's up to you to ask a wide range of questions so you can truly compare plans.

If you're like most people, though, you're not an expert and don't even know what you need to know about insurance (how's that for confusing?). Keeping the following list of 10 questions close by can keep you on track while researching insurance companies and will help you choose the policy that's right for you.

Bet you never considered this one! When a vehicle is damaged, most people assume their insurers will pay for it to be repaired with identical parts that come from their car's particular manufacturer, also known as "original equipment manufacturer" (OEM) parts. That's a risky assumption, though, as the parts used in the repair may instead be "aftermarket" parts, which are car parts made to fit a general type of vehicle, but not specifically for a particular make and model. Aftermarket parts are less expensive, which is why some insurers prefer to use them. And while certain states specify insurers must cover OEM parts, others don't. To further complicate matters, some insurance companies use both kinds of parts. They'll spring for OEM parts when it comes to safety items like air bags, for example, but use aftermarket parts for less-critical items like door handles and fenders.

Nowadays, it probably seems like a lot of your business is conducted online or over the phone. But when you're discussing complicated matters like insurance, it can be very helpful to actually meet with an agent and go over things in person. Sometimes, just seeing things written out makes them easier to comprehend. People who meet with their agent in-person often receive better customer service, too, so ask potential agents if they have a physical office where you can meet. When you're there, tell him or her you'd like to receive an annual personal insurance review. A really quality agent will automatically offer this service, but any good agent should be willing to do it upon request. Annual reviews help ensure you're not paying for coverage you no longer need, and that you're always carrying the coverage you do need.

When searching for affordable car insurance, you can't just look at price alone; there's a process involved. You have to take a deeper look at what you're paying for coverage. Even though it's important to try to save money, it's essential to have the right car insurance policy because you never know when you might have a car accident.

We've done all the research for you and created a list of Frequently Asked Questions about buying insurance. If you're ready to save on auto insurance, you can use SmartFinancial's free online comparison tools to get a car insurance quote that matches your budget and needs. Just enter your zip code to compare quotes.

Most states mandate drivers to sign up for an auto insurance policy before they receive a driver's license. Car insurance is a contract between you and a carrier. It protects you from financial losses when you have a car accident or someone steals your vehicle.

Ask your agent about your state's minimum requirements when you purchase your policy. If you're a customer looking to save with a new insurance quote, you can use SmartFinancial to find local insurers within your state with the lowest rates. We've included a list of minimum coverages by the state for your convenience.

In most states, your liability insurance covers damages and injuries to the other driver, his/her car and passengers when you are at fault. Your collision coverage will cover it if the accident was your fault and you damaged your vehicle.

It's a good idea to have a non-owner auto insurance policy if you borrow automobiles regularly. If you cause an accident, the vehicle owner's auto coverage may not pay up to limits when the insurer learns that you are driving during the car accident.

Do you have adequate health insurance? If not you may want to consider buying additional coverage unless you have medical payments coverage or Personal Injury Protection coverage on your primary insurance policy.

It's important to find the best carrier that has the financial strength and fits your budget. That's why buying cheap car insurance is tricky. You don't want to buy a product from a company that will cease to exist or won't have the funds to reimburse you for a covered claim. Comparison shop for a car insurance quote and get competitive rates from top carriers by entering your zip code below. The process of getting a quote is really straightforward, and you could save hundreds!

The smart way to protect your rental car is to buy the OneTrip Rental Car Protector from Allianz Global Assistance, an affordable plan that can provide primary coverage for covered collision, loss and damage for just $11 per calendar day. But before you buy this or any car rental insurance product, you should get answers to these eight questions.

This is a critical question to ask when getting car insurance because you want to make sure that you are purchasing policies that are required by law. When buying car insurance in Michigan you are to purchase the following coverage:

This is a great question to ask when getting car insurance as things are going to change with the new No-Fault law.Until the new No-Fault PIP medical benefits coverage levels become available after July 1, 2020, all drivers must purchase unlimited medical coverage as well as coverage for wage loss and replacement services.

The No-Fault imposes no maximum limit on residual bodily injury liability and property damage coverage. When buying car insurance drivers will have to discuss with their car insurance agent what maximum limits are available.

This is another vital question to ask when getting car insurance in Michigan. So, uninsured motorist (UM) coverage allows a car accident victim to recover pain and suffering damages in the event he or she is injured in a crash caused by an uninsured driver or hit-and-run driver

In the wake of the new Michigan No-Fault insurance law with its limited coverage levels for No-Fault PIP medical benefits, UM and UIM coverage will provide car accident victims with a source for medical benefits when their accident-related medical expenses exceed their No-Fault PIP medical benefits coverage level AND the excess medical cannot be collected from the uninsured/underinsured driver.

You can really save lots of money and get significantly better coverage by shopping around for your car insurance. Car insurance companies all have various rates. And there are many other aspects of your coverage to consider. So, shopping around helps you to get a good deal, and exactly the right coverage for your situation. These are 10 questions to ask car insurance agents in your area:

The state mandates a certain amount of coverage. Usually, you only require liability insurance to cover the cost of anyone else when you are at fault. This covers injury, death, vehicle damage, other property damage and their legal fees. It also covers any other consequences of those who sustain injuries in the accident. This coverage is the absolute bare minimum necessary to be legally allowed to drive the vehicle.

Even if you know a fair amount about car insurance, it is easy to end up paying more than you should. When renewal time comes, your monthly payments may only go up a small amount, so you may not even notice. Vehicles get older every year, and as time flies by, it may be better to drop that collision coverage. So, at least annually, your insurance agent should carefully go over your car insurance coverage with you. Ask your agent these 10 questions every year to be sure your coverage is up-to-date and fits your ongoing, changing situation.

Even with a great deal, buying a car can be expensive. Purchasing a car from an unknown person may pose a safety risk, especially when meeting face-to-face to complete the transaction and exchange money. Facebook Marketplace does not offer purchase protection on vehicles, so it is important to be diligent as a buyer and seller:

The leasing vs. financing decision depends on several factors, from your budget to your expected mileage to how long you plan to keep the car, says Alain Nana-Sinkam, vice president of strategic initiatives for the car-buying service TrueCar. Here are some of the questions to ask yourself, he says, to help decide which way you may want to go.

Normal wear and tear, such as worn tires and windshield wipers, is expected when you turn in a leased vehicle after three years; anything beyond that could be assessed a fee. If you want to avoid worrying about this, buying a car may be the better option.

Auto insurance helps pay for the injuries and damage that can happen when you own and drive a car or other motor vehicle. This brochure can help you compare policies and make informed decisions when you buy auto insurance. It can help you understand your auto policy. Your policy is a legal document, and it is important that you understand it. Your motor vehicle may be an auto, truck, van, motorcycle, or another kind of private passenger vehicle. 041b061a72


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