If you’re shopping for an auto insurance policy, a skilled agent is a valuable resource, walking you through the process and providing professional insight based on years of experience. While an insurance agent has the expertise to help you choose the right policy for your situation, knowing what to ask can save you money and close any gaps that could leave you exposed. Here are a few questions to ask before choosing an auto insurance policy.

3 Questions to Ask Your Insurance Agent

1. What Type of Coverage Do I Need?

Each state requires drivers to carry a minimum amount of insurance to cover damages in an accident they cause, but most drivers will need additional protection. For instance, your agent may suggest a collision clause to pay for damages to your own vehicle, or comprehensive coverage, shielding you from weather events, animal strikes, and theft. The right policy options for you depend on a variety of factors including your priorities, the type of vehicle you drive, and budget.

2. Am I Getting All the Discounts I Qualify For?

Most insurers offer discounts for a clean driving history, good grades, installing anti-theft measures, or purchasing multiple policies. An insurance agent with an understanding of the industry can often find ways to lower rates without sacrificing coverage.

3. Who Does My Policy Cover?

Some insurers only pay claim if the driver was listed on the policy, while others may provide limited coverage if you loan your car to someone else. If other people frequently drive your vehicle, it’s important to choose a policy that provides adequate protection if they get into an accident.
 

If you’re shopping for an auto insurance policy, turn to Farmers Insurance®-Henry Stockman, an experienced agent with over 25 years of experience. As a representative of one of the nation’s leading carriers, he provides peace of mind with policies from a name you can trust to drivers throughout the Chattanooga Metro Area. Visit him online now for an overview of his services, follow his Twitter for news and updates, or call (423) 510-9197 to speak with an insurance agent and request your free quote.