Auto insurance is an important investment that protects you from dangers on the road. However, selecting a policy can be confusing, especially with each carrier offering a range of options. Talking to an insurance agent and asking the following questions before choosing a policy will help you get the coverage you need at the best possible price.

3 Questions to Ask About Auto Insurance

1. What Types of Coverage Do You Need?

Each state requires drivers to carry a minimum amount of insurance to protect other motorists, but some drivers need additional coverage. Collision insurance, for instance, pays for damage to your own vehicle if you cause an accident, while comprehensive covers losses due to theft, vandalism, and extreme weather. An experienced agent will help you choose options suited to your circumstances.

2. Do You Qualify for Discounts?

Many insurance companies offer substantial discounts, but you usually have to ask. For instance, you may be able to lower your premiums by taking a safe driver course, paying the policy in advance, or bundling your auto insurance with your renters or homeowners policy.

3. Who Does the Policy Cover?

Some auto insurance policies cover anyone in your household who drives your car. Others, however, might only pay for damages caused by specific drivers listed on the policy. Getting the right policy for your lifestyle and family situation will help prevent unpleasant surprises down the road.

If you’re shopping for auto insurance in the Watertown, CT, area, the experienced agents at Kalita Agency will compare policies to find the best one for you. They work with several of the top carriers in the industry, giving them an extensive range of affordable options to choose from. Visit their website for an overview of their customizable insurance options, follow their Twitter for more tips, or call (860) 274-8882 to request your free auto insurance quote.