Shopping for auto insurance can be challenging, especially if you have never done it before. To ensure you get proper coverage according to your needs and budget, you should ask an insurance agent the right questions. Here is what you should discuss when looking for car insurance:

What Type Of Coverage Do I Need?

The first step in choosing auto insurance is understanding your needs. Certain factors should be discussed and considered, including your vehicle’s value, budget, and risk tolerance. 

How Much Deductible Should I Get?

The deductible is the amount you have to pay out of pocket before your insurance kicks in. The higher deductible you have, the lower your monthly premium is. It would be best if you discussed it with an insurance agent when shopping for auto insurance to ensure you can afford it. 

What Is Not Covered By My Insurance?

It is best always to ask the agent about any policy exclusions. There are specific situations in which your insurance will not provide coverage. While you can typically find these exclusions in your contract, asking an agent about them is good because you may miss something. 

What Are The Additional Coverage Options?

Numerous extra coverage options- rental car reimbursement, roadside assistance, gap insurance, and others- provide additional protection. These options may increase your monthly premium but will give you peace of mind. 

Are you shopping for auto insurance but have questions? If you live in Bethlehem, PA, or any nearby town, make sure to reach out to Saucon Insurance Agency. Our reliable and trustworthy insurance company will answer your questions and help you choose the right insurance plan. Contact Saucon Insurance Agency today to learn more about the insurance options available.