Beyond the state-mandated minimums, you need to know exactly what risks are covered. Ask if the policy includes:
If you use your car for work tasks like deliveries or ridesharing, you may need separate commercial coverage.
Covers non-collision damage like theft, vandalism, or natural disasters.
When buying car insurance, asking the right questions can help you avoid gaps in coverage and ensure you’re not overpaying. Here are the essential questions to ask your insurance agent or representative to find the best policy for your needs.
Pays for repairs to your car after an accident, regardless of fault.
Ensure you choose a deductible you can realistically afford to pay on short notice.
Friends who might borrow your car once in a while.
Protects you if you're hit by someone with little or no insurance. 2. Who is covered to drive my car?
