Whether it’s your first time choosing insurance or you want to switch to a new policy or agency, there are many questions that come with the process. Once you cover all the details, you will be able to make an informed decision on policies that will best fit your needs. The world of insurance can be complicated and confusing, so the knowledgable agents at Dozier Insurance Agency in Dawson, GA, answer the most important questions you may have in a way that’s easy to understand. 

5 FAQ to Ask Insurance Agents

Are There Factors That Affect My Insurance Rates?

Whether you’re shopping for home or auto insurance, expect the insurance company to look at a variety of different factors before giving you a quote. A few basics include your age, credit score, and place of residency. Having a lower credit score, for example, may result in higher rates.

Are There Benefits to Working With an Independent Insurance Agent?

Independent insurance agents work with several different companies. As a result, they can shop around to ensure you’re getting the most coverage for the lowest possible rates. They’re also able to provide more customized solutions, so your policy is tailored to meet your specific needs.

3. Can I Opt Out of Certain Types of Coverage?

Most states have minimum requirements for home and auto insurance, so if you’re trying to keep your premiums low, you may be able to exclude certain areas of coverage from your policy. Keep in mind, however, that this can leave you on the hook for your own or someone else’s medical and other types of expenses if an accident occurs.

4. Do I Qualify for Any Discounts?

Most insurance companies offer several opportunities for discounts. The ones for which you qualify will vary, but having a good driving record and credit score and carrying multiple policies through the same insurance company can usually result in a discount. An insurance agent will ensure you are taking advantage of all possible discounts to save you the most money.

5. What if I Want More Protection?

The minimum requirements rarely provide adequate coverage in the event of an accident or loss. Purchasing additional coverage is encouraged. Increasing liability insurance, in particular, can ensure you have sufficient coverage if someone is ever injured on your property and decides to sue. 

No matter the type of insurance you need, the agents at Dozier Insurance Agency can guide you through the process, answer all your questions, and ensure you have all the coverage you need at the most affordable rates possible. If you have additional questions, give one of their insurance agents a call at (229) 995-2040 and they’ll be happy to assist you. You can also learn more about the different types of coverage they offer on their website.