Helping Drivers Save Money Since 2011 

cheap car insurance for young drivers

 

 

Car Insurance - Important Questions to Ask

cheap car insurance for young drivers 

Picking car insurance can be overwhelming especially if it is your first time to insure a car. This isn’t common since most first timers often ask a lot of question which is a good thing too. Sometimes, it is better to ask questions and understand how a certain thing works than just sit there and nod your head. Of course, it is important to ask, after all, you will be the one paying for the policies so it is better that you know where your money is going. Here are some of the questions that people ask generally.  

The first and most common question that people ask is who is exactly covered by car insurance policies? Another question that seemed related to this question is if you’re married, have children who drive as well as other family and friends, are they covered by your insurance policy in case they drive your car? If pay attention to what is written in your insurance policy then it is stated in there before you agree to their terms. If you are unable to find this then it is best that you contact your car insurance company and ask them about this. You really don’t want to be caught in the middle of an accident with a driver who is not insured. This is also a good way to know how secured you are. 

Another question often asked by customers is whether or not are you covered if you are driving someone else’s car. Or questions like if your husband or wife, children and other members of the family or friends let’s you borrow their car, does your policy covers you if you are driving that car? Question like these are often asked to insurance companies and most of the time, this is also explained to the customer. One question that customers are concerned of is that if the coverage of their policy will also cover their new car. Know that many insurance policies will consider extending the coverage you have on your old car unto your replacement however, it is important that you inform this to them within a period of time. If you don’t, you may be charged with other fees or may not have enough coverage for a short amount of time while the paperwork is being settled for you. 

If you are planning to replace your car then it is best that you contact your insurance agent about this the soonest. It is important to know that there’s a coverage for you if you are driving someone else’s car. Keep in mind that there are several things that insurance companies will pay for. Generally, you are covered for physical damage but it is important that you let your agents know about this. This way they can explain what you need and it will also be clear on your part as a car owner. 

When you are getting car insurance, don’t be afraid to ask questions. Insurance companies will gladly explain to you how your coverage works. By doing so, you will have peace of mind while you are driving knowing that you know what are the extent of your coverage in case you find yourself in an accident.