Before securing your auto insurance, review these questions.
While it’s tempting just to purchase the first car insurance policy that you find online, when it comes to an accident, you’ll be glad you spent some time researching your options. Before you purchase car insurance, you’ll want to ask the following questions to see that you have the right coverage, company and if you’re missing anything!
How much coverage do I need?
While you must have at least the state’s minimum liability requirements, you may choose to get more coverage for the protection of your vehicle and finances. Knowing what sort of coverage you have will help you to decide on whether you want to add any more.
How much is my deductible?
When you make a claim on your insurance, you have to pay an initial portion of the bill – the deductible. A higher deductible will lower your monthly premium, but you’ll end up with a higher out of pocket cost when you need to file a claim.
Do I need collision and comprehensive coverage?
Collision coverage pays for repairs to your vehicle in a crash, while comprehensive covers other damages, such as vandalism, fire, and theft. If your vehicle is older with a low value, you may decide it’s not worth paying for comprehensive coverage.
What do I do if something happens? Ask the insurer if they have a 24-hour reporting policy, whether online or by phone. Be sure you understand what the process involves, what information you would need to provide, and when you have to make a claim.
Before you secure your auto insurance, be sure to ask these questions and settle on the right insurer. For the quality auto insurance that protects you, your vehicle, and finances, visit the team at Gee Schussler Insurance Agency, serving Orland Park and surrounding cities in Illinois.
