Ensure you choose a deductible you can realistically afford to pay on short notice.
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.
Don't assume everyone is covered. Clarify if the policy covers:
A deductible is what you pay out of pocket before insurance kicks in.
Many companies won't apply discounts unless you ask for them specifically. Inquire about: 8 questions to ask before buying auto insurance | III
If you use your car for work tasks like deliveries or ridesharing, you may need separate commercial coverage.
Friends who might borrow your car once in a while.