Before Buying Auto Insurance, Ask Yourself These Questions

Once you buy a car, you probably realize that you need to turn to your Hartford Connecticut insurance company to insure it. However, determining what type of auto insurance you need isn’t as easy. To make sure your vehicle is properly insured, ask yourself these questions before acquiring a policy.

What Type of Coverage Do You Actually Need?

There are many different types of auto insurance out there, including collision, comprehensive, personal injury protection, and underinsured and uninsured motorist coverage. You may want to speak with your Hartford Connecticut insurance agent directly if you aren’t sure what types of coverage you need.

Who Will Your Policy Cover?

This is an issue that many policy holders do not consider. Make sure you know what would happen if, for example, your teenage son or daughter drove your car and got into an accident or what would happen if your neighbor needed to use your car to run a quick errand and he or she was hit by another vehicle.

How Much Will Your Deductible Be?

If you are ever involved in an accident and need to file a claim under your auto insurance policy, you will likely need to pay your insurance company a certain amount of money, known as your deductible, before your policy kicks in. Remember, you can lower how much your premiums are every month by increasing your policy’s deductible and vice versa.