Choosing an auto insurance policy is a major decision, one that could affect your financial future if you’re involved in an accident. While you want to be sure you’re adequately protected from all the hazards the road might throw your way, you certainly don’t want to pay more than necessary. To ensure you get the right policy, ask your agent these questions before making a decision.

3 Questions to Ask About Auto Insurance

1. How Much Liability Protection Do I Need?

Every state requires drivers to carry some type of coverage to compensate other motorists if they cause an accident. Georgia law, for instance, requires drivers to carry liability insurance that provides bodily injury coverage of at least $25,000 per person, $50,000 total for the accident, and $25,000 in property damage. However, these limits are low compared to the cost of many auto accidents, so most agents recommend purchasing additional coverage.

2. What Other Coverage Will I Need?

Depending on your situation, you may need additional protection beyond the minimum required by law. Comprehensive coverage protects you against theft, hailstorms, and animal activity, while collision insurance pays for the damage to your own vehicle if you cause an accident. Your agent may also recommend underinsured motorist coverage, which ensures you won’t have to pay out-of-pocket if you’re hit by a driver without adequate insurance.

3. How Can I Lower My Premiums?

Auto insurance carriers base your premiums on their risk assessment, which determines how likely you are to file a claim. Some of the factors that influence your rates are out of your hands, but your agent may have suggestions for lowering your premium. For instance, they might suggest taking a driver safety course, installing anti-theft devices, or improving your credit score.
 

Shopping for auto insurance can be frustrating and confusing, especially with all the options available. Since 1995, Barnes & Howell Insurance, Inc. has provided drivers throughout the Atlanta, GA, metro area with detailed advice and customized policies tailored to their needs. To request your free insurance quote and to make an appointment, visit their website or call (770) 718-0202.