Having automobile insurance is a huge lifesaver. So many things can happen when you get behind the wheel and knowing you have financial protection against the risks facing you lends confidence and assuredness. You might be getting your first car insurance policy and are interested in learning your options or you might be in the market for a new policy because your current premium is inching up a bit too high. Here are three things you should ask about the next time you get a car insurance quote.
Ask About High Liability Limits
The initial price you are quoted for insurance will likely be based on state minimum coverage. This is quite common because some people are only concerned with making sure they carry the mandatory amounts so they are able to remain in compliance and can legally operate a vehicle.
However, you might be shocked to find out how little it costs to increase your liability limits. Going from the mandatory minimums to a few thousand dollars more in protection could literally only increase your premium by a couple of bucks. It's so worth it in the long run and if you ever get into an accident and have to draw on your liability insurance. You'll be extremely glad you went for the higher limits!
Ask About Discounts
When you get your insurance quote, don't make the mistake of thinking discounts will automatically be included in the price you are given. Some discounts are only available to the savvy consumers who request them. You want to take advantage of every discount possible so you won't have to fork over as much money to maintain coverage. Be sure to inquire about defensive driver discounts, honor roll student benefits, and if you can qualify for a discount by having your monthly payments auto-deducted from your account. Every little bit helps when you're on a budget.
Don't Forget To Throw In The Extras
Rental reimbursement and towing coverage are must-have coverages that you don't want to be without. If you don't include them when quoting and binding your policy, there could be a waiting period during which time you won't be able to use the benefits when you may need them more than ever.
Getting a comprehensive insurance quote makes it easy for you to know what to expect. Remember these tidbits when you get a quote for your next car insurance policy.
