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Six Things Not To Do When Discussing Policies With A Car Insurance Agent

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Choosing a car insurance policy is a big choice you need to make as a driver. Before you decide on a policy, you should discuss policy options with a car insurance agent. Discussing policy options will help you find the best policy for your needs.

There are a few common mistakes to avoid to get the most out of conversations with your car insurance agent. The following are six things not to do when discussing policies with a car insurance agent. 

Becoming impatient with all the fine print

There are a lot of details in your insurance policy that you need to understand. It's important that you don't grow impatient with reading through the fine print so that you purchase a policy that you don't fully understand.

Your policy details are going to impact you down the road if you need to file a claim. That's why it's important to understand exactly what coverage you're getting and what types of coverage your policy excludes. 

Purchasing a policy without first looking for discounts

There are many discounts offered by most car insurance companies. These could include discounts for going through a driver safety course or for having certain safety features in your vehicle. You should be aware of the discounts that are available and take advantage of the discounts you are eligible for.

Neglecting to get collision coverage

A lot of motorists decide to forego collision coverage to make their car insurance less expensive. However, this is almost always a bad idea. Without collision coverage, you'll have to pay entirely out of pocket when your own vehicle is damaged in an accident. 

Buying only the minimum coverage required

Most states have some minimum liability coverage requirements that drivers need to meet to drive legally. However, you should understand that it's best to have considerably more than minimum coverage.

If you buy only minimum coverage, you are not fully protecting yourself financially. Without adequate coverage, you could end up with severe financial problems down the road if you get in an accident you are held financially responsible for. 

Discussing policies with only one insurance company

Car insurance is a significant expense that you'll have to pay for month after month. This makes it important to compare costs between different insurance providers to find a cost-effective option.

Being unfamiliar with the key vocabulary

You need to understand terms like premium and deductible when you are selecting a car insurance policy. If you don't understand any terms that your car insurance agent is using, be sure to ask the agent to explain unfamiliar terms clearly so that you understand.