5 Points To Go Over With Your Auto Insurance Provider insurance provider,insurance policy,auto insurance provider,auto insurance

When you have a car, you have an insurance policy for that car. However, just because you have insurance does not mean that you are adequately covered, or covered in every situation that could arise. As this is the case, you should go over your policy before you decide to buy it. Here are some points you should be going over with your insurer.

1. How Much Coverage Do I Need

The biggest thing you should find out is if your policy not only meets your state requirements for car insurance, but if those requirements will be enough in case of an accident. Figure out what you are covered for and how much coverage you have. A good policy will cover you for 100,000/300,000 in injury coverage, and should cover you for other things like glass and collision damage.

2. Is My Deductible OK

The next thing you want to go over is to make sure that you are not paying too much, or too little, for your deductible. If you don't want to be paying too much out of pocket, you should get a lower deductible, but that will raise your premiums. To lower your premium, have a higher deductible, but know that you will pay more in case of an accident.

3. What Happens If My Car Is Stolen

If your car is stolen, or broken into, will your policy cover you? Many policies require that you get specific insurance against property damage, and rarely does this come standard. If this something that you feel you need, go ahead and consult your insurance provider for more information.

4. Am I Covered If Another Driver Gets Into An Accident

Allowing someone else to drive your car is perfectly OK, but make sure that your policy transfers to other drivers. Most policies will allow for this, but make sure that your coverage levels do not change as a result.

5. What Happens To My Rates For Being A Safe Driver

Check into getting discounts, or ask that you have a lower deductible for being a safe driver. Saving money should be your top priority, and being a good driver is one way to get savings on your policy. Knowing what affects your rates will help you get the best deal possible.

When buying insurance, you need to know your policy will protect you from anything that gets thrown your way. The best way to have peace of mind on the road is to know your policy and understand it thoroughly before you purchase it.

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