What Info Should Drivers Ask About Before Buying Auto Insurance

LOS ANGELES, June 20, 2020 /PRNewswire-PRWeb/ -- Drivers should not be hasty and accept the first offer made by their auto insurance agents. Before signing any documents, drivers should get more information about their car insurance from their insurance agents.

Drivers should get more information from their insurance agent about the following matters:

• Available discounts. Drivers should always ask their agents about the discounts that are available for them. Car insurance can be so much cheaper after applying several discounts. Drivers can get discounts if they are students and have good grades or if they are attending driver education programs. Other discounts are given for cars that have extra safety features such as immobilizers or tracking devices. Also, drivers who have multiple types of insurance can combine them and get a bundle discount. Many drivers chose to bundle their car insurance with homeowner's insurance, health insurance, or life insurance to the same insurance company.
• Payment options. The majority of car insurance companies offer the option of paying in an annual lump sum or paying half of the annual amount every six months. However, the most common option chosen by drivers is to pay the insurance bill monthly since it tends to make budgeting more realistic. Paying on a monthly basis can be more expensive in the long run as most insurers offer a discount to drivers who pay the insurance bills annually.
• Claims service schedule. Timing is one of the most crucial points when making a car insurance claim. Reporting an auto incident to the authorities and to the auto insurance company ASAP is vital, so car insurance companies that are closed on weekends can be problematic for drivers. However, more and more insurance companies are now offering a 24/7 online and telephone claims reporting service. When looking for an insurer, drivers should ensure that the selected insurance company offers 24/7 claims assistance.
• Parts used for repairing a damaged vehicle. Drivers who had their vehicles damaged in an incident expect their cars to be repaired with original equipment manufacturer (OEM) parts. The truth is that when repairing a damaged car, many companies use cheaper aftermarket parts which are designed to fit a general type of car and not a specific make and model.

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SOURCE Compare-autoinsurance.org