Here is a guide to the auto ins questions that you need to ask before deciding on a specific policy or insurance company.
First off, you need to ask what the minimum insurance requirements are in your state.
The minimum level of coverage required differs from state to state so this is a necessary prerequisite.
This basic requirement can act as a baseline from which you can decide how much extra coverage you want to purchase.
In deciding the extent of additional coverage you need to buy, you must consider factors besides how much it will cost you.
The next question on the list is, are you a safe driver? The type of driver you are is relevant in determining how much coverage you will need.
Look to your driving record for a gauge as to whether or not you can be categorised as a safe driver.
If your record is littered with accidents and tickets, this indicates that you may be a careless driver.
As such you will likely need more robust coverage.
Knowing the type of driver you happen to be will also help you determine whether you qualify for any discounts offered by insurers, these are generally given to driven with a good safety record.
Next up, you must ask yourself how much you have been paying for your existing insurance policy.
Knowing the monthly and yearly premiums will help you to find a better or at least comparable deal.
Your current premium can be a baseline from which you can assess the rates offered by other companies.
When you are looking for competitive quotes, you can go directly to the various insurance companies or an agent; this however will be time consuming and can also be quite costly.
A cheaper alternative would be to use the internet.
There are websites that offer you listings of quotations by different insurers; you simply have to enter your requirements.
Before signing the contract, ask around about the reputation and credentials of the insurance company you are getting involved with.
Make sure you have a good understanding about the financial situation and business practices of the insurer.
Asking these auto ins questions will provide you with the necessary answers and information that you will need in order to make the right choice.