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There are a number of things to think about when shopping for car insurance. Providers offer a variety of coverage plans at vastly different rates, often making it a challenge to compare insurance quotes. This is why it’s a good idea to come prepared with a list of questions for your agent so you can get all the information you need to make the most educated decision possible. The professionals at Charles Adams Insurance Agency in Ashland, KY, are dedicated to providing personalized service to ensure each client’s specific coverage needs are met. Below, they go over a few of the most important inquiries to make during the shopping process.

What to Ask When Comparing Auto Insurance Quotes

1. What Types of Coverage Do I Need?

The answer to this question will vary for every driver. There are several factors that determine which types of coverage you should purchase. At the very least, you need the minimum amount of liability you’re required to carry in your state. However, it’s vital you also look into other coverage as well, especially if you have more assets to lose in a lawsuit or don’t have the funds available to pay for damages above and beyond what your liability will cover.

2. Which Discounts Do I Qualify For?

insurance quotesMany insurance companies offer a range of discounts to drivers who qualify. These can differ from provider to provider, so it’s important to find out about all the options you’re eligible for. This can make a significant difference in the insurance quotes you receive, as multiple discounts can cut down the cost of your premium by a large percentage.

3. Are Other Drivers Covered?

If there are other people in your household who are likely to be driving your vehicle, whether it’s on a regular basis or just from time to time, you must know if they will be covered under the policy you choose. Some companies place restrictions on their insurance coverage. You don’t want to find out your policy won’t cover the damages after an accident has occurred.  

The key to comparing car insurance quotes is to look for the right balance between coverage and rates. It’s essential you get the most protection possible for a price you can afford. Contact Charles Adams Insurance Agency at (606) 325-9709, or visit them online to learn more. 

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