There are many car insurance companies available that provide various types and kinds of car insurance policies. It is necessary to select the best insurance policy for your car as it compensates for your expenses and best suits your needs. Here is a list of top 5 questions you need to ask your auto insurance company:
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WHICH TYPE OF COVERAGE DO YOU PROVIDE?
Auto insurance is of the following 4 types:
Collision:
This type of insurance covers the damage caused to your vehicle in the case of an accident, irrespective of the fact that which party was at fault.
Comprehensive:
This type of insurance pays for your car damage if resulting from non-collision accidents such as Natural calamity, fire, theft and vandalism.
Uninsured:
This type of insurance pays for your car repairs in case, if you are hit by an insured driver. It is less expensive than collision and comprehensive insurance.
Personal injury insurance:
This coverage pays for your medical expenses in case of a car related accident and also pays for the lost wages.
WHAT WILL BE MY DEDUCTIBLE?
This question is very much important to ask your car insurance company. Deductible is a certain amount of money you need to pay your car insurance company, in case of an accident, before the insurance company pays for your repairs. The deductible amount ranges from 0-1,500 USD. If you select an insurance policy for your car with a higher deductible you will need to pay less annual insurance fees, but you will have to pay a higher deductible amount in case you get in an accident.
WHAT DISCOUNTS DO YOU OFFER?
Almost every insurer offers certain types of discounts as a part of the sales pitch. So, always ask your insurer before getting their services. These discounts are given for various requirements such as getting insurance from the same company, using an Eco-friendly car and driving by the rules.
What type of packages do you offer?
There is a variety of packages offered by the car insurance companies. First you need to confirm it from the car insurance company’s representatives that which packages do the offer? The packages include monthly and yearly packages. You can select from these offers, the best one that is easier on your pocket. You can also select a yearly insurance policy and you get big discounts if you pay the yearly amount.
DO YOU PAY FOR ORIGINAL MANUFACTURER PARTS?
It is the most important thing you need to confirm before signing up for an insurance policy. Various insurance providers pay for duplicate vehicle parts that are not specifically made for your vehicle. You must insist your car insurance provider to tell you if they provide the payment for original vehicle parts.
So, above given were the five most important questions you need to ask your car insurance company. There are also a few more questions you can ask your insurance provider such as, do you provide 24/7 car insurance claims?
- How do they value my car?
- what is my risk assessment?.
