It seems easier to get an online quote for car insurance, but it can leave several important questions unanswered. When you speak with a live agent, you can get more specific information about your automotive insurance plan in Chicago. To get the most out of the meeting, here are four important questions to ask.
What Coverage Amounts Do I Need?
In Illinois, you are required to have liability coverage to cover other drivers if you are involved in an accident. Your representative can explain what other coverage will be beneficial for your individual needs. They may recommend collision, uninsured or underinsured motorists or comprehensive protection be added to your automotive insurance plan in Chicago.
Am I Getting Available Discounts?
An agent can recommend specific discounts available to you. Whether you are renewing your policy or buying a new one, be sure to ask about discounts.
Can I Drop Any of My Coverages?
There are often optional coverages included in an automotive insurance plan in Chicago. Options like rental car insurance can be beneficial for the life of the vehicle. Other items, such as comprehensive and collision, can cost more than they are worth as the vehicle ages. If your car is more than five or six years old, you may be carrying too much coverage.
Do I Have Payment Options?
It’s usually cheaper if you can afford to pay your annual premium in a lump sum. You may get a discount if you can afford to do it. If this single payment stresses your budget, ask about monthly or quarterly payment plans.
Have more questions about an automotive insurance plan in Chicago? Visit the Illinois Automobile Insurance Agency website to speak with a professional. You can also connect them on Facebook.
