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6 Important Questions to Ask When Shopping for Car Insurance

With so many different policy options and so many different companies to choose from, how do you know which one is the right choice? When shopping around for the best policy and coverage ask these 6 important questions.

What discounts do you offer?   Do they provide safe driver discounts or good grade discounts? How long will it take for these discounts to take place, sometimes they could take months to years to go into effect. Do they offer a multi-policy discount? Most companies do but it’s better to ask anyway!

Can you explain my policy in “layman’s” terms? If your prospective insurance company won’t explain to you exactly what everything means, chances are they aren’t telling you the complete truth. You want to find a company that will explain every last detail.

How do I report a claim? Does your company offer 24/7 claim filing? Do they have a mobile application? Can you take to a representative?  These are all really important questions to ask your agent.

Do you offer road side assistance? If you have a flat tire and don’t have AAA road side assistance will certainly be a relief. Certain companies offer the service for a small fee every month. Find out what the benefits to including it in your plan would be.

How can we manage our account? If the company has a mobile app or a website it will be a lot more convenient for you to be able to manage your account, pay your bill and follow up on a claim.

What are the payment options? Can you pay by check, cash, and or credit card? Also does the company have payment plans? Can you make monthly installments or do you have to pay off your premium at once?

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