Prepare yourself well !: Don’t sign any car insurance without asking these 5 questions

Prepare yourself well !: Don’t sign any auto insurance without asking yourself these 5 questions. Make sure your car coverage refle...

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  • Prepare yourself well !: Don’t sign any auto insurance without asking yourself these 5 questions.
  • Make sure your car coverage reflects your needs and budget.
  • Before comparing policies and insurers, evaluate how you use your car to find out which options make the most sense for you.

You are already determined to buy an insurance policy for your car. You know what are they going to ask you, the types of coverage and even the risks of going without insurance at the wheel.

But you still lack something essential. You have to evaluate how you use your car in order to know which coverage is best suited to your needs. Do not be overwhelmed by a seller, first, relax and answer these questions proposed by the Insurance Institute Information.

1. How much do you drive per day, per week, or even per month?

Are you going to use your car every day, for example, to go to work or take the kids to school and activities? How much do you drive per month: 100 miles, 1,000 or more?

Make sure your policy reflects how much you will use your car. If you don’t drive a lot, you may want to opt for mileage-based insurance.

If you’ll be using your car not just to get to work, but to perform tasks that pay you, you need commercial auto insurance. A personal automobile policy will not provide coverage if you transport paying passengers for the carpool, deliver pizza, act as a courier, or use your car for other business activities.

2. What kind of car do you drive and how much do you love it?

Insurers handle huge amounts of data and know precisely which types of cars, makes and models are most or least likely to incur claims.

A flashy sports car with a powerful engine is more likely to be stolen, and your body costs will be higher than a midsize sedan, and your insurance will be priced accordingly.

5 auto insurance questions to ask yourself before signing

5 auto insurance questions to ask yourself before signing

Some types of cars, such as classic or modified cars, require special insurance. Similarly, you can receive discounts if you have a “safe” car, one with the latest safety features and a good safety record.

If you love the look of your vehicle and take pride in how it looks when you drive by, you probably want it to be repaired perfectly, or replaced with the same model, if it breaks down.

Then you need to go for the most complete range of insurance, including collision, comprehensive and glass coverage.

On the other hand, if you don’t care about anything except that your car takes you to and from you, and you want to save on premiums, you may prefer to limit your policy to liability.

Don’t forget that whether you love your four-wheeler or not, where you park it will affect your insurance rates, and can be a factor in the coverage you buy.

For example, cars parked on the street in urban areas face a higher risk of theft or vandalism, so comprehensive coverage could be a good option.

5 auto insurance questions to ask yourself before signing

3. Who else will drive the car?

Generally, your auto insurance will cover other occasional drivers. However, if other drivers who live with you use your car, be it your spouse, your teenage son / daughter, your friend or whoever it is… they should be on your policy.

5 auto insurance questions to ask yourself before signing

4. What are your legal obligations?

Almost all states require that you have minimum liability coverage for your car. At a minimum, you should make sure your policy meets state mandates.

However, the levels of coverage required are generally quite low, but keep in mind that if you are involved in a serious accident, you may be sued for a large sum of money.

Depending on how your finances are doing, you will probably want to purchase the highest level of liability coverage that you can afford.

5. Is your car financed or rented?

If you still owe money for your car or it is rented and you have to return it in good condition when the lease expires, you may need to insure the car for its full value, and even for any difference between what you owe and the market value. of the car.

Keep in mind that your insurance options and costs will also be affected by your age, gender, and driving history, as well as your credit score.

You are in time to have the ideal insurance that suits your needs with the guidance of the experts at Assurance America of Georgia.

5 auto insurance questions to ask yourself before signing

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