• High-Tech Cars: What's New in Car Safety Features?
  • Driving in Fog Safely
  • Are you driving under the influence of your phone?
  • Dangers of Distracted Driving
  • Distracted Driving Statistics

5 Questions to Ask Your Car Insurance Rep

When it comes to choosing a car insurance policy, many of us let the premium price drive our decisions. But cutting corners on cost could leave you underinsured and overexposed to the risks of the road.

Fortunately, it’s easy to strike a balance between affordability and adequate coverage when you have the right information.1 Remember: your insurance representative is a valuable resource. Asking these five questions before you purchase a car policy can help you get the protection you need at a price you decide is right for you.2

1. Do I Have All the Coverage I Need?

This first answer to this question will depend on the state where you live. At a minimum, most states require liability insurance, which covers the cost of accident-related injury, death, vehicle damage, property damage, and legal fees.

Once the minimum requirements are met, ask your insurance rep to explain and recommend additional coverage options best suited for your individual needs. These commonly include collisioncomprehensiveuninsured and underinsurance motorist protection (UM/UIM). Your rep should also explain how each will affect your premium and “out-of-pocket” expenses after an accident.

If you have a lot of personal assets to protect, you may also want to discuss excess liability insurance with your insurance rep. This is a separate, personal liability policy that can kick in to cover costs where your car (or homeowners) insurance leaves off.

Recent Articles & News
  • High-Tech Cars: What's New in Car Safety Features?
    anemptytextlline
    anemptytextlline
  • Driving in Fog Safely
    anemptytextlline
    anemptytextlline
  • Are you driving under the influence of your phone?
    anemptytextlline
    anemptytextlline
  • Dangers of Distracted Driving
    anemptytextlline
    anemptytextlline
  • Distracted Driving Statistics
    anemptytextlline
    anemptytextlline
  • Distracted Driving: The Treehouse: Howard’s Unfinished Story
    anemptytextlline
    anemptytextlline
  • Keep a Disaster Kit at the Ready: Here’s What It Should Include
    anemptytextlline
    anemptytextlline
  • Don't forget your FREEE CAR WASH!
    anemptytextlline
    anemptytextlline
  • Teen Driving Statistics
    anemptytextlline
    anemptytextlline
  • FREE Car Wash
    anemptytextlline
    anemptytextlline
  • Apps to Help Keep Your Teen Driver Safe
    anemptytextlline
    anemptytextlline
  • Free Car Wash!
    anemptytextlline
    anemptytextlline
  • Emergency Preparedness Tips and Checklist for Boaters
    anemptytextlline
    anemptytextlline
  • What Should I Do if My Boat is Damaged?
    anemptytextlline
    anemptytextlline
  • How to Help Trailer, Tow and Launch Your Boat Safely
    anemptytextlline
    anemptytextlline
  • Car Insurance Coverage
    anemptytextlline
    anemptytextlline
  • Keeping Your Passengers Safe on the Road
    anemptytextlline
    anemptytextlline
  • 10 Tips to Reduce Distracted Driving
    anemptytextlline
    anemptytextlline
  • Summer Driving Safety [Infographic]
    anemptytextlline
    anemptytextlline
  • 7 Quick-Hit Insurance Tips
    anemptytextlline
    anemptytextlline
  • Lawnmower Safety Tips
    anemptytextlline
    anemptytextlline
  • Insuring New Jewelry & Other Big-Ticket Items
    anemptytextlline
    anemptytextlline
  • Some Common Personal Insurance Misconceptions
    anemptytextlline
    anemptytextlline
  • Selecting the Right Car for Your Summer Road Trip
    anemptytextlline
    anemptytextlline
  • TAKE A STROLL DOWN SAFETY STREET
    anemptytextlline
    anemptytextlline
  • 5 STRANGE INSURANCE CLAIMS
    anemptytextlline
    anemptytextlline
  • 6 REASONS TO LOVE INSURANCE
    anemptytextlline
    anemptytextlline
  • How Can Being a Good Citizen Boost Your Business?
    anemptytextlline
    anemptytextlline
  • Boosting Your Workplace Morale
    anemptytextlline
    anemptytextlline