5 Questions To Ask Your Car Insurance Company

5 Questions To Ask Your Car Insurance Company

February 21, 2023

Car insurance is one of those necessities in life. Looking for and purchasing it can be a challenge, but having it is required by law. When evaluating your insurance, there are a few key pieces of information you need to look for. After all, you want to guarantee that you get the right insurance for your needs. The best way to get the information you’re looking for is by knowing which questions to ask your car insurance company.

Questions To Ask Your Car Insurance Company 

You need to ask your car insurance company questions so that you can better understand your coverage, payments, and policy. It’s best to get this information before signing anything, but you can always check on your current policy as well. 

  • Am I getting all the discounts available to me? Auto insurers often have a list of different discounts available to their customers. Taking advantage of these discounts will lower the cost of your insurance. So, it’s always good to ask and investigate to ensure you get the best price.
  • What influences my premium? Your premium is the amount of money you pay to have car insurance. Different things like age, gender, and driving record affect your premium. Future incidents can also cause your premium to change. Try to get a good understanding of what affects your premium so you can prepare for any changes. 
  • Who does my policy cover? Your auto insurance policy will always cover you and your car. But, if someone else drives your car, whether they’re covered depends on your policy. So, make sure you know the facts before handing over your keys. 
  • What are my out-of-pocket costs if I’m in an accident? Your “out-of-pocket” costs are what you pay with your own money in the case of an accident. Understanding this will help you choose a policy that provides the best coverage. 
  • What happens if I’m in an accident? In 2019, there were over six million car crashes reported by police. That’s over ten crashes every minute. You can be in a crash at any moment, so being prepared is critical. Making sure you have the right coverage if you’re in an accident – whether it’s your fault or not – is essential to protecting yourself and others on the road.

Ready To Get Some Answers? Contact Our Trusted Advisors At TruView Today

Understanding your auto coverage policy starts with knowing which questions to ask your car insurance company. By asking the right questions, you’ll be better equipped to make smart decisions about your insurance and find a policy that fits your needs. 

Need help asking the right questions? At TruView Insurance, our independent insurance agents work with our customers to tailor policy options to your budget and coverage need. If you’re ready to get some answers about your car insurance policy, call our Scottsdale office to speak with a professional insurance provider today.