3 Things You Should Ask Your Auto Insurance Agent

Sometimes when people shop for auto insurance, they get into a hurry and forget to check out the details. Unfortunately, signing up for an auto insurance policy quickly might not always lead to the best experience. Here are three things you should ask your auto insurance agent, and why it might be worth your time to slow down and do things the right way:

1: "Do you offer emergency roadside assistance?"

If your car dies suddenly, you might find yourself searching for a tow truck driver in your area that is willing to get up in the middle of the night to rescue you. However, some auto insurers offer emergency roadside assistance to their members for a low monthly cost. For example, roadside assistance programs start at around $36 per year, which means that for as little as $3 a month, you can get help when you need it.

When you talk with your auto insurance representative, make sure that you understand what your plan covers. Ask how many tows you get per year, and whether or not things like jump starts and emergency tire patches are included.

2: "Does the policy provide a rental car?"

Sure, that policy might cover repairs if you get into an accident, but how will you get to and from work while your car is being repaired? Ask your insurance agent if your policy covers a rental car that you can use if you are involved in an accident. Make sure that the vehicle is large enough to transport your family and the things you have to take to and from work each and every day. After all, that complimentary sedan might not make that much of a difference if you can't fit all of your kids into the backseat.

3: "What discounts do you offer?"

Asking about discounts might seem cliché, but most people don't realize just how much they can save by talking with their agent about ways to save. Here are a few discounts you might be eligible for:

• Increasing Premiums: That $100 deductible might seem tempting, but you might be able to save 30% by raising it to $1000. If you are worried about footing the bill for the higher deductible, set aside your premium savings every month until you have your $1000.
• Total Driven Miles: You also might be able to save money every month if you drive less. Talk with your agent about discounts for keeping your odometer under a certain number of miles. The less you are on the road, the less likely you will be to be in an accident.

By taking the time to talk with your auto insurance agent about your coverage, you might be able to have a more enjoyable experience in the long run.