Your insurance agent is your strongest ally in finding the most affordable rates and securing effective car insurance coverage. When it comes time to renew a policy, it's a good idea to check with your agent and ask questions to ensure the best coverage is in place for your needs and budget. Below are details on four of these questions.

Essential Questions to Ask Before Renewing a Car Insurance Policy

1. Is All My Personal Information Correct?

Now is the time to update your insurance agent with any changes that have taken place within the last year. These changes include a new mailing or billing address, a new driver's license number, or a different funding source, like a new credit card or recently-opened checking account, that you'd like to use moving forward. These details keep everyone on the same page and make sure you are informed and billed as necessary without issue.

2. Did My Last Ticket Come Off My Record?

Car insurance rates often lower when there are fewer moving violations on a person's driving record. Keep tabs on this information to confirm you're getting the best rates. If the ticket is still on record, ask how much longer before it drops off so you can plan accordingly for any rate changes. Typically, a speeding ticket stays on your driving record for about three years.

3. Would Switching Carriers Save Me Money?

An independent insurance agent isn't bound to any one carrier, which means they can shop around to find you the most budget-friendly rates. Before renewal, ask the agent to see if any new or previously undiscovered deals could help you save.

4. Are There Any New Discounts I Qualify for This Year?

An insurance agent isn't going to know about changes that occurred in your life over the previous year unless you tell them. Moreover, these changes could be money-savers. For example, many carriers have good student discounts for young drivers, a customer loyalty discount program once the same carrier has insured you for a specific period, and discounts for members of the armed forces.

Hummel & Plum Insurance Agency offers a variety of car insurance options to the Ross County, OH, area. Since 1904, they have been a trusted provider of insurance solutions, whether you need coverage for your vehicle, home, or farm. They also sell health and life insurance, as well as flood, earthquake, and other natural disaster policies. Please request a quote today by calling (740) 773-1620 or visiting their website.