Comparing auto insurance quotes is only the first step to find the right coverage and save money. You have probably listen to all the experts’ advice and have found a few companies that offer a good deal.
The second step is to figure out which one to choose, which seems simple enough but it reality is a difficult task. The cheapest policy is not always the best. It is always a good idea to talk to a professional and get a few questions answered before signing on the dotted line.
Here are a few questions you should ask your agents.
Who is covered by the policy?
It is important to know if you policy covers all the members of your family or a person who borrows your car for a day.
Am I covered “enough”?
Most people make the mistake to go only with the minimum state requirements. It is cheaper of course but quote dangerous since in the unfortunate event of an accident you may end up with a huge bill that your insurance will not pay because it exceeds your limits. An agent should be able to advise you what the best limits for you are considering your personal circumstances.
What discounts are available to me?
If you are insuring more than one vehicle or combine home with auto insurance, there may be a good discount which will save you money. Make sure you don’t miss on it.
Can I cancel my Florida car insurance?
Be aware of the time period required if you want to cancel your insurance. Know the exact steps involved and bare in mind that driving without car insurance is illegal.
What payment options are available to me?
Paying for your insurance annually will probably save you money, but most people can’t afford to fork out such a big sum at one go. Make sure you know how much more you will be paying if you choose to be billed every month.