Ask Your Insurance Agent About Your Car Coverage

What you need to know about auto agent holding a sign asking for questions

If you are looking for your first auto insurance policy, then you may be feeling overwhelmed by all the information out there.  Fortunately, you can get the answers you need by working with an experienced insurance agent.  Here are some of the auto insurance questions you should ask your agent.

What coverage do I need?

Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage.  However, simply meeting these insurance minimums is not enough to protect you from all the risks that you face.  Typically, auto insurance providers will advise drivers to carry the following coverages:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist
  • Personal injury

How much coverage do I need?

Every driver is different and therefore faces different risks.  This means that it is impossible to set universal auto coverage amounts that all drivers should adhere to.  To figure out your coverage limits, work with your insurance agent to determine the value of your personal assets.  Other things, such as the make and model of your car, where you live, and how often you drive, will also impact the amount of coverage that you need.

What doesn’t car insurance cover?

Finally, you need to understand the limits of your auto insurance policy.  While every car insurer is different, most standard policies exclude coverage for the following:

  • Damage caused by wear and tear
  • Damage caused during a car race
  • Damaged incurred during illegal activities
  • Damaged incurred while driving outside of the U.S.
  • Mechanical failures
  • Damage to non-approved vehicle modifications
  • Damage to personal possessions

These are some of the important car insurance questions that you should ask your agent.  Do you need help with your auto coverage?  If so, then contact the experts at ISU-Wissink Insurance in Culver City, California.  We are ready to assist you with all your coverage needs today.