When it comes to driving, choosing the right car insurance company is very crucial. Sometimes, it’s easier to buy what your family or friends use or the insurance company that is more well-known as it appears on the TV commercials most frequently. However, that’s not the best idea.
With so many different insurance companies providing their services at widely different rates and types of coverage, buying car insurance can be very complicated. Not every insurance company provides the same offers. What’s more, not all insurance agent will let you know what you need to make an informed decision.
That’s why shopping around is the key to getting a good deal, with the right balance between coverage and rates. Here are three important questions you need to ask when you buy your car insurance.
What kind of car insurance do I need?
There are many types of insurance available:
- Collision. Collision insurance covers the entire cost of repairs to your car no matter whose fault the accident was. Generally, you’ll pay a set deductible before the insurance company pays the remaining amount.
- Comprehensive. Comprehensive insurance covers things that are from non-crash incidents, such as theft, natural disaster, fire and vandalism.
- Personal injury protection. Personal injury insurance covers the cost of medical and loss expenses to you and your passengers if someone hits you. It will also cover the medical bills if you’re injured while riding in someone else’s car.
Who’s covered to drive my car?
This is a question many people will overlook. You need to consider what will happen if your 18-year-old child, who’s learning to drive, has a crash? Will your insurance company cover? What if a friend borrows your car and involves in an accident? Will your insurance pay?
Every insurance company handle these accidents differently, so make sure you have the proper coverage so you don’t end up with tons of confusion.
What happens if I make a claim?
Getting involved in a car accident is stressful, even when no one is injured. You don’t want to put yourself in a position to be even more stressed out. For example, you’re caught in an accident on a Saturday night, but your insurance company doesn’t open for business during weekends.
Nowadays, many insurance companies provide 24/7 services, both by the toll-free number and online, so make sure you choose the company that does so.
A great way to start is by working with your insurance agent to help you identify what’s the best coverage for you and your car. If you are searching for a car insurance company that provides you 24/7 services, visit https://www.aig.my/personal/auto-insurance now!