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Whether you’re a new driver or someone who has been behind the wheel for years, it’s always important to have adequate auto insurance. However, with so many different policies available, knowing which one is right for you can be challenging. Here are five questions to ask before buying auto insurance.
1. What Am I Required to Have?
Every state has different requirements for auto insurance, so you’ll need to find out what yours are. Typically, you’ll need liability insurance at a minimum, but that does not cover everything. You may also want to consider collision and comprehensive coverage, especially if you have a newer car.
2. What Is My Budget?
Once you know what coverages you need, you’ll need to set a budget. How much can you afford to pay each month? How much can you afford to pay out of pocket if you have an accident? Remember that the cheapest policy may not always be the best.
3. What Are Add-ons, and Do I Need Them?
Auto insurance policies typically come with various add-ons, or options, that you can purchase. Some of these may be required in your state, while others are additional coverage that can provide extra protection. You’ll need to decide which ones you need and which you can live without.
4. What’s the Claims Process Like?
If you have an accident, you’ll want to know what the claims process is like. How easy is it to file a claim? How long does it usually take to get reimbursed? Make sure you understand the process before you purchase a policy.
5. Am I Getting the Best Rate?
Finally, you’ll want to ensure you get the best rate possible. Get quotes from several different companies and compare them. Make sure you’re comparing apples to apples, though. Some policies may have different coverages than others, so read the fine print before deciding.
Get Auto Insurance in Kingwood, WV
Now that you know what to look for in an auto insurance policy, it’s time to start shopping around. Smith Insurance Agency of West Virginia offers a variety of different options to choose from. Call us today for a free quote.
