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Questions to ask before buying auto insurance

Does the car insurance company (have):

• Pay for the full replacement value of the car (not depreciated value)
• Require OEM parts for auto repairs?
• Offer the same coverage for rental cars I drive?
• A local agent in my area?
• Offer homeowners coverage?
• Offer a safe driver discount to new customers?
• Verify your mileage when determining my rate?
• Offer a discount for retired or military members?
• Provide a discount for multiple policies?
• Have reps available 24/7 to report a claim or make changes?
• Offer a full service website for making payments, changes and file claims?
• Pay for a rental car while I'm getting my car repaired?
• Use independent or employee adjusters?

Other specialty questions:

• Provide coverage if I require an Sr-22?
• Allow me to suspend collision coverage if I won't be driving for more than 30 days?
• Provide coverage south of the US / Mexican border?
• Waive auto insurance deductibles if both parties involved are customers of the company?
• Have a forgiveness program for long time customers who have an accident?
• Offer umbrella coverage that pays for losses above auto or homeowner's insurance?
• Cover specialized equipment for the vehicle?
• Require payment of an agent commission?
• Are the customer service reps licensed insurance agents or telemarketers?
• Offer a nonowner liability policy (If you rent cars frequently)?

Written by Craig J. Casey

Financial Writer helping people with their insurance problems on the net since 1998.

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