What to ask about your car insurance.
When it comes time to secure auto insurance in Carrollton, Texas, many drivers do not know where to start. Rather than making an uninformed decision, it’s best to speak to a trusted agent. Here are three of the essential questions to ask about your car insurance.
1) What coverage do I need?
Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage. However, simply meeting these insurance minimums is not enough to protect you from all the risks that you face. Typically, auto insurance providers will advise drivers to carry the following coverages:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist liability coverage
- Personal injury
2) What is a deductible?
Your deductible is the amount of money that you agree to pay towards a car insurance claim before your coverage kicks in. The higher the deductible you assume, the lower your premiums will be. This is why insurance experts recommend setting your deductibles as high as you can comfortably afford to maximize savings. Just be careful not to set your deductibles too high as you could risk not being able to access your insurance coverage when you need it the most.
3) Who does my policy cover?
Before signing off on an auto policy, it’s important to make sure that it extends coverage to the drivers in your household. If you have a family, then it’s important to make sure that your spouse and children are covered under the policy. While adding covered drivers to the policy will raise your rates, this is significantly cheaper than having multiple car insurance policies for all the drivers in your family.
These are some of the important car insurance questions to ask your agent. Do you have additional questions about your auto insurance in Carrollton, Texas? If so, then contact the experts at Mike Leonard Insurance Agency. Our dedicated team is eager to find you the right coverage from one of our many carriers, including: Kemper, State Auto, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.