Important Questions To Ask When Buying Auto Insurance

So you’ve just purchased a new Toyota and you’re looking for car insurance.

Shopping for auto insurance can be a major hassle.  This is especially true when you receive the bill and there are all of these surprise fees and charges.

To get the best deal on your car insurance, you need to ask the following questions.

  • What is the deductible? Many people forget to ask this question when they’re shopping for car insurance.  They really don’t think about it until they get into an accident and their car needs to get fixed.  Be sure to ask what the deductible is.  It can be anywhere from $250 to $1,000.  This will help you decide if the policy is right for you.
  • Are there any fees associated with the payment schedule? Many auto insurance companies will charge fees if you decide to pay monthly or quarterly.  Check to see if these fees exist.  The best option is usually to make a single payment.
  • Does this policy transfer to other vehicles? If you’re going to be driving a rental car or a friend’s car, you’ll want to ask this question.  A lot of times the policy will not transfer to another vehicle.  So this is an important question to ask.
  • Is there any way to lower my rate? This question is going to save you money.  Most of the time, insurance companies will have discounts that they can apply to help lower your rate.  These can include good driver discounts and student discounts.

Asking these types of questions will help get you the best rate possible.  Be sure to shop around when purchasing car insurance.  This will help you get the best price.