4 things you should always ask your auto insurance agent

Most people let the premium rates influence their decision when choosing an auto insurance policy. This is, however, not advisable as it could lead to you being underinsured thus prone to dangers and accidents on the road just to cut costs. At Versatile Insurance Planners serving San Antonio, TX, insurance agents guide you on balancing adequate coverage and an affordable policy for your car.

Things to ask your auto insurance agent

The following are some of the questions you should ask your auto insurance representative.

Is it the ideal coverage?

Depending on the state, your agent will guide you on the suitable coverages for your car. You’ll need minimum liability coverage for any accident-related issues and to cover the legal fee. If need be, your agent should recommend ideal additional coverage plans depending on your personal needs.

What is covered In case of an accident?

You need the right coverage to get all the benefits of auto insurance after an accident. Ask your insurance representative which policy covers what. Ask about optional coverages like rental reimbursement and roadside assistance and if they are necessary for you. 

Am I eligible for discounts?

Ask your auto insurance agent whether you qualify for a multi-policy discount and whether you have options to minimize the premiums. Find out about your premiums and deductibles so that if you ever file for a claim, the out-of-pocket costs will be within your budget.

Do I need an umbrella policy?

Depending on your assets and personal preferences, you may require protection above and beyond your regular policy coverage. Ask your insurance agent for comprehensive coverage, uninsured and underinsured motorist protection, and collision coverage. There is an option for excess liability coverage for people with valuable personal assets.

An insurance agent is an indispensable resource, so ensure you have the best one to help answer some of your questions regarding the policy. Consult Versatile Insurance Planners serving San Antonio, TX for all your auto insurance needs.