Sometimes auto insurance can seem like a complex topic, covering terminology you’re unfamiliar with. One way to take the mystery out of it is to ask a professional the right questions. When you sit down with an agent, bring up these popular topics so you know you’re getting the answers from a reliable source.

3 Common Insurance Questions to Ask Your Agent

1. Will the Policy Cover Other Drivers?

When you get the right auto insurance, you’re covered when you get in your car. However, you may not be the only one driving. You could have family members, friends, neighbors, co-workers, and other individuals who drive your car on occasion. To make sure you’re not stuck with all the costs of repairs or damages in the event someone driving your car has an accident, ask your agent whether your policy covers other drivers who use your car. Depending on your state’s laws and your policy, every situation is different.

2. How Will Your Job & Commute Influence Your Policy Options?

No two drivers are alike, so sometimes the policy that works for one person won’t work for another. When you’re considering a policy, the topic of your travel habits may come up. Maybe you go on regular vacations that see you drive hundreds of miles a month. You could also have an especially long commute or a job that requires extra travel such as delivery service or home repairs. Ask your agent whether your travel schedule and commute will impact your policy options.

3. Could a Higher Deductible Lower Your Premium?

Your insurance premiums may be a bit too high for your liking, but you may be able to lower them by agreeing to a higher deductible. Your insurance agent can help you decide if this is the right call. While a higher deductible means you will have to cover more of the cost of an accident, it may be worth it if you drive safe and have a solid record on the road.

Are you looking for an auto insurance agent to answer your questions? Mountcastle Insurance in Winston Salem, NC, offers excellent options for both personal and commercial insurance. This agency has over a century of experience working to understand their customers’ situations and help them find the right policy. To get in touch, call (336) 777-8500 or online.