Anyone driving a car in the state of Washington is required to carry proper auto insurance. Driving without insurance is illegal and can lead to serious consequences. Therefore, if you own a vehicle, auto insurance is one of the first things you should think of. Choosing the right insurance policy may not be easy, especially if you have never done it before. If you are currently shopping for it and want to make the right decision, here is a list of questions you should ask an insurance agent:
What Coverage Should I Get?
You will have to get at least the coverage mandated by the state of Washington. It is liability insurance that covers the costs of anyone who is injured or dies as a result of a car accident you caused. However, in addition, it is recommended to get additional types of coverage, such as collision, comprehensive, uninsured and underinsured motorist protection, and personal injury protection. Ask an insurance agent about them to know more.
What Will Your Deductible Be?
If you are involved in a car accident, there is a certain amount you have to pay before your insurance kicks in – your deductible. The higher your deductible, the lower your monthly premium is. However, do not make your deducible that high that if you get involved in a car accident, you will not be able to pay it.
Are There Any Discounts Available?
Almost every insurance company offers discounts, so do not hesitate to ask about them. Do not assume that an insurance agent will automatically offer them to you.
Securum LLC – Your Reliable Insurance Agency in Washington
If you are shopping for car insurance, you should ask insurance agents as many questions as you want. Try to gather as much information as you can to make the right and informed decision.
If you live in Bellevue, WA or any other nearby town, it is recommended to contact Securum LLC – an insurance agency serving clients in Bellevue, WA and other surrounding towns. Our insurance agents are always ready to answer your questions and tell you everything about the insurance options available. Feel free to give us a call or visit our office.
