How to choose the best car insurance agency for your best needs.

As everyone knows, if you’re going to drive an automobile, then you are legally compelled to have car insurance in Clearwater just in case an accident occurs. It’s important to note that not all insurance companies are the same, so you must do your due diligence when selecting one to set you up with a policy. To help you get started, we’ve compiled a quick list of questions that you can ask a car insurance agency to ensure that you choose the best one for your needs.

Do I Have the Right Amount of Insurance Coverage?

Affordable car insurance is important, but you must ensure you are adequately covered in the event of an accident. Some of this will depend on your personal choices in terms of how much your monetary limits will be for yourself and others involved in the accident. Other choices, such as the minimum requirements required by either your state or lienholder, must be met in order for you to avoid penalties or liability issues.

What Will Be Covered Due to an Accident or Damage?

Many automobile drivers are unaware of exactly what will be covered if their vehicle gets damaged or involved in an accident. In addition to financial limits, there are other important items such as a rental car being paid for or if you’re covered for damaged possessions that were inside your vehicle. You certainly don’t want to be surprised by discovering something isn’t covered after the fact, so carefully read the policy provided by the Clearwater insurance agency and make any additions that you think are necessary.

Am I Required to Have More Than Liability?

Removing items such as collision coverage can save you money, but you could discover that liability is not nearly enough coverage following an accident. There are also situations where you must have more than liability insurance. Primarily, this is when your vehicle is still attached to a lienholder who requires that you retain certain types of coverage until your loan has been paid in full. Not meeting this requirement can lead to stiff insurance charges directly from the lienholder and other such penalties.

Which Discounts Do I Currently Qualify For?

There are a variety of discounts for every automobile policy that you could qualify for the increase your chances of attaining affordable car insurance. These include things such as Good Driver, Distinguished Driver, and Multiple Policy Holder discounts. Ask the car insurance agency which discounts you already qualify for and how to meet the qualifications for those that you do not. This is a great way to lower your overall insurance policy cost without skimping on coverage.

What Is the Basic Process in the Event of an Accident?

Getting into an automobile accident is stressful enough, so you definitely don’t want to add more stress during the aftermath. Ask the car insurance agency to provide you with a basic breakdown of how their process works once an accident has been reported. This will include information such as filing a claim, discovering a fault, arranging a rental car, getting your vehicle fixed, and related elements.

What Will My Out-of-Pocket Costs Be After an Accident?

The amount of your out-of-pocket costs following an accident will depend on the levels of coverage and deductible that you’ve chosen. If you haven’t chosen certain types of coverage with your insurance agent in Clearwater, FL, such as collision, medical, car rental, etc., then you would need to cover all of those costs yourself. You’ll also be given available deductibles, typically ranging from no deductible up to $1,000 or more depending on the car insurance agency. Anything above that set amount will be your responsibility.

Contact Coleman Insurance Agency for Auto Insurance in Clearwater

Coleman Insurance Agency has built a reputation for being Clearwater’s premier homeowner’s insurance agency. In addition to providing waterfront home insurance and automobile insurance, we also handle mobile homes, commercial properties, and more. Contact our firm today for a competitive estimate or call us at (727) 441-9911.