Thursday, April 16, 2009

Questions To Be Asked About Auto Insurance


Questions To Be Asked About Auto Insurance


One can get as many quotes as one wants for his vehicle to get insured. Thousands of online sites provide these free quotes after filling a form having some mandatory details. One should do a complete research and comparison before buying an auto insurance online. When you are looking for a quote that satisfies your needs, you can ask various types of questions from the agent. One should not accept the very first deal that comes in their way, but should look for several quotes from different companies.

One should make a final decision of his needs from the auto insurance. After making the final decision, one should try several quotes and contact various questions. This decision may contain various factors such as type of coverage, monthly, quarterly or yearly coverage, driver of the vehicle and premium that you can afford.

One should also keep ready some documents such as current insurance policy, driver’s record, car registration, car mileage and discounts that are available to you by different companies. You can also keep a check ready if you have to pay an advance payment on the spot.

When you have studied various auto insurance quotes from different websites, now you should call an agent or a customer care and ask various questions. The answers to these questions will narrow your options as many companies will not provide what you want. Also keep yourself updated about various schemes in your area. Following are some common questions that one can ask to an agent: -

1. Ask the agent about what types of coverage does their company offer.

2. Ask the agent that if their company allows lower premium if you agree to pay higher deductible.

3. Ask the agent that if you have good driving record or that if you have done a driver course, do their company provide discounts?

4. Ask the agent that if their company offer discounts if our car have many safety features such as air bags and anti-lock brakes.

5. Ask the agent that if one pays his premium in time, does his premium will decrease.

6. Ask the agent that if their companies allow combining medical insurance of driver with auto insurance.

7. Ask the agent that what the policy is if you miss a payment or your payment is late.

8. Ask the agent that if company allows you to add other vehicles to the same insurance policy.

9. Ask the agent that which types of payment does your company support.


By: Franchis
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