Asking the right questions when shopping for car insurance can end up saving you quite a bit of money and help you avoid encountering any unpleasant surprises in the future. Your insurance agent is available to clear up any confusion you might have about coverage and rates, so it’s important to use their knowledge to your advantage before making your purchase. The professionals at Jenkins & Bevan Insurance provide the residents of Lorain County, OH, with personalized service to make choosing a policy much easier. They carefully assess each client’s unique needs to find the best deals available.

Below, they go over a few essential questions to ask when deciding on auto coverage:

• What Are My Coverage Options? One of the first things you must learn is all the different types of coverage there is beyond liability. There is a variety of options you can add to your policy that will provide the necessary funds you need to pay for the repair or replacement of your own vehicle and for injuries you or your passengers sustain in an accident. 
• Who Will My Policy Cover? If you have family members that will be driving your car from time to time or there’s a possibility of loaning it to a friend, it’s vital to find out if others will be covered under your policy should something happen. The answer to this will largely depend on the insurance company you select, so it’s crucial to know this beforehand.
• What Factors Affect My Premium? Car insurance providers use a wide range of factors to determine how much your premium should be. They use elements, such as age, gender, location, make and model of your vehicle, credit score, and driving record, to assess your risk level. Those who are deemed to be at a higher risk of filing claims will pay more for coverage.
• How Will My Car Be Repaired After an Accident? Some insurance companies will only agree to pay for aftermarket parts to repair your vehicle while others will cover original equipment manufacturer parts. This may be important to you, especially if you have a newer car and don’t want it fixed with older secondhand parts.  

Finding affordable car insurance without compromising on coverage can be a challenge. Taking the time to consult with your agent will give you the best chance at getting the most protection for your money. Contact Jenkins & Bevan Insurance at (440) 984-6771 to request a quote, or visit them online for additional information on the products they offer.