Talking With Insurance Companies

Finding the right auto insurance policy can take some shopping around--but aside from choosing the right coverage for your specific needs, you'll also want to make sure you're selecting an insurance carrier that you can trust to provide you with the best policy and customer service. As you're shopping around for auto insurance, then, there are a few questions worth asking that will help you make an informed decision. 

1. What Does Your Claims Process Entail?

If you get into an accident or need to otherwise make a claim, you'll want to know what to expect from the process. How long does it typically take to process a claim? What sort of documentation will you need to send in? You'll also want to find out about how long before you can expect payment or reimbursement once a claim is approved.

2. Will I Have a Dedicated Agent?

These days, it's common practice to purchase auto insurance policies online. And while doing so can be extremely convenient, it's important to realize that buying your policy online could mean foregoing a traditional insurance agent. Having a dedicated insurance agent is always preferred so you can easily get in touch with someone who is familiar with your policy and coverage when needed. Even if the carrier you're considering offers online coverage options, you should check and see if you'll be assigned a dedicated agent.

3. What Types of Discounts Do You Offer?

Different insurance carriers offer different insurance discounts, so be sure to inquire as to which you'll be eligible for. For example, some may offer discounts for those who have a safe driving record, whereas others may offer discounts to those who belong to certain professional organizations. Take time to shop around here and ensure you're taking advantage of every discount available to you.

4. Do You Offer Roadside Assistance?

Finally, make sure the carrier you end up going with will offer roadside assistance coverage for a small monthly premium. This way, if you end up broken down on the side of the road, you'll be able to get the assistance you need, day or night. If your carrier doesn't offer this, you may need to purchase it separately from an independent roadside assistance service.

By taking the time to ask these questions of a prospective auto insurance carrier, you can ultimately enjoy confidence and peace of mind when it comes to selecting your new policy. For more information, check out a website like http://www.wyattinsuranceca.com/ today.