Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

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In a nutshell...

  • It’s important for you to determine the level of coverage you want
  • When comparing companies, don’t just focus on rates; be sure to compare customer reviews and claims records as well
  • Ask companies about potential discounts to see if you can save on your premium

There are a lot of questions you need to ask when buying auto insurance. The more questions you ask, the more you can be sure of getting the necessary coverage on your car.

This necessary coverage will help you will be better protected on and off the road.

Compare car insurance quotes right now by entering your zip code into our free rate tool above.

What kind of coverage do I need?

It’s important to look at the kind of auto insurance coverage that you need. There is the state requirement, which includes liability for bodily injury as well as property damage. Some states will also include personal injury protection (PIP).

Beyond what the state requires, you might have a lienholder for a car lease or loan dictating requirements. These requirements might include requiring collision and comprehensive coverage to a certain level.

These coverages ensures that the loan is better protected in the event that something happens to your car.

Once you meet state and lienholder requirements, you might want to go above and beyond for coverage limits. These optional coverages include adding more liability coverage that what the state minimum is as well as increasing the levels of collision and comprehensive.

These optional types of insurance will cover you against more scenarios and reduce the amount of money you could pay out of pocket.

Some scenarios to protect yourself against include:

  • Car crash
  • Hail damage
  • Fallen tree
  • Hit and run
  • Flood damage

There are so many ways to get involved in a car crash and plenty of ways to damage your car outside of a crash. When there is a greater level of coverage on your policy, you enjoy a greater level of peace of mind.

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What is the best insurance company?

Many people make the assumption that the best insurance company is the one that has the cheapest premiums.

However, this assumption is not always accurate. In order to best answer this question, you have to look at the insurance company’s reputation.

There are reviews online that will tell you how fast an insurance company pays out on claims and how their customer service rating is.

You also need to look at what else the insurance company provides beyond coverage. Some companies offer online portals, mobile apps, and even roadside assistance.

It’s important to choose a company that is going to offer you more so that you have convenience and protection.

What is the cost of coverage?


The cost of coverage is something you have to look at. What is it going to cost you for your insurance coverage? In order to get the answers, you have to first look at the full level of coverage that you want.

If you are tight on your budget, then you might want to go with the basics of a policy. However, if you have a little extra money, it’s advantageous to increase coverage.

Beyond asking what the cost of coverage is, there are some other important questions to ask that will help determine the costs.

How do I find the best deal?

Finding the best deal is easier than you might think. An online comparison site will allow you to identify the coverage you want. From there, the internet will work its magic and you will get quotes from multiple companies.

You can look at the companies as well as what the premiums are. This makes it easier to compare because you don’t have to contact the insurance companies individually.

You simply get to focus on the cost of coverage and know that they all have the same level of coverage as well.

— What discounts are available?

Various discounts might apply to you. It’s important to ask about the discounts to see if there’s a way to save even more money. Some of the top discounts include:

Not all insurance companies offer the same discounts. You might even qualify for more than one discount on your policy.

If you pay your premium all at once (for six months at a time, for example) or you set up an auto-debit with the insurance company, you might qualify for another discount as well.

Look at all potential discounts before you choose to set up a policy with a particular company.

In the end, you want to get a good auto insurance policy. Rather than accepting basic coverage with the first insurance company you find, it’s best to ask questions.

Getting answers to your questions will let you figure out more of what you want so that when you get coverage.

Compare car insurance quotes right here for free to make sure you get the best coverage at the best price.