Home Car insurance Coverage 5 questions to ask your car insurance agent 5 questions to ask your car insurance agent View Carriers Please enter valid zip Compare top carriers in your area Written by Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. Reviewed by Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Updated on: August 13, 2021 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Asking the right questions when you get car insurance quotes can save you money and frustration. For one reason or another, your agent may not always discuss your policy in excruciating detail. They assume you’ll read it. But if you’re like most people, you’ll park it in your filing cabinet and forget about it. We asked insurance agents across the country to give us their tips. Here’s what they said customers should ask their insurance agents, but often don’t. 1: Am I getting all the auto insurance discounts that my company offers? Many car insurance companies offer much more than safe-driver discounts. You may qualify for a variety of other discounts, called “credits.” Derek S. Ross, vice president of C.M. Meiers Company Inc., an insurance brokerage in Woodland Hills, Calif., says insurers offer discounts if your car has certain safety features like a car alarm, airbags or an antitheft or electronic vehicle-locator device. Your insurer may even give you a discount if you park in a garage. If you drive a hybrid, some insurers offer discounts simply because the vehicle is eco-friendly. Tip : Did you know your credit history could be driving up your car insurance bill? See /car-insurance/bad-credit-history.html Bragging about your child’s accomplishments in school could save you up to 20 percent on your insurance policy: Ask for a good student discount (most companies require a 3.0 GPA or higher). This generally applies to young adults in their teens to age 23 or 25. Some insurers also offer discounts to working professionals. “They all create their own discount structures for select professionals and groups,” Ross says. This applies to customers who have a master’s or doctorate degree (like medical professionals, lawyers, engineers and others). In addition, being a member of a professional organization within your field — like a state bar association or medical board — can save you insurance money, Ross says. Some insurers even offer discounts if you graduated from a specific college or university. Just ask. Other discounts include low-mileage savings. If you don’t drive long distances, some companies will award you a discount based on your annual mileage. Finally, if you happen to have a homeowners insurance policy with the same company, don’t forget to ask for a multiline discount. Key Takeaways Speak to your agent to make sure you are getting all the discounts you are eligible to receive, such as low mileage if you are driving less. Comprehensive and collision coverage protect your car but speak to your agent to determine if the coverage is still worth the expense. Ask the agent if the policy has an “agreed upon value” or “actual cash value” payout if the vehicle is totaled – it could be the difference in thousands of dollars. 2: Do I have comprehensive and collision coverage — and is it worth it? Collision coverage pays for repairs to your car in the event of an accident, no matter who caused it. Comprehensive coverage pays for damage suffered through other events — like vandalism, flood, theft or tree damage. Both coverages generally require that you pay a deductible first. Alex Soto, former chairman of the Independent Insurance Agents & Brokers of America and current president and CEO of Miami-based InSource Inc., says that collision and comprehensive coverage can be a good idea if you own a newer car. But once your car depreciates in value, you may want to cancel it. For example, it may not be worthwhile to pay $400 a year for collision/comprehensive insurance to protect a car that is only valued at $3,000. If you make a total loss claim, you’ll pay your deductible (say, $1,000) and the insurance company then pays the remainder — in this case, $2,000. Was that $400 premium worth it? On the other hand, if your car is valued at $40,000, buying comprehensive and collision coverage for $500 to $600 may be a good idea. “It is worth it because while you can afford a $2,000 loss as in the previous example, you may not wish to self-insure $40,000,” Soto says. Check the NADA Guides‘ value of your car each year and decide if collision and comprehensive coverage is a good bet. 3: Does my policy include uninsured/underinsured motorist (UM/UIM) coverage Not all states require you to have UM coverage. (See your state’s minimum levels of required auto insurance.) If you must buy it, your agent will tell you. If not, Ross says it’s one of the most important coverages to consider. If you have collision coverage, damages to your vehicle will be covered if an uninsured driver crashes into you. But if you don’t, you may want to consider purchasing uninsured motorist property-damage (UMPD) coverage. “A lot of people cannot afford comp and collision,” Ross says. “So if you don’t have it because you can’t afford it, you can get UMPD.” Because it’s less expensive than collision, UMPD usually only pays up to $3,500 for repairs but it does not require you to cough up a deductible. If you do have collision coverage — and want to avoid paying the deductible (usually at least $500) after an accident — you can add on a collision deductible waiver. Relatively inexpensive, this will waive your collision deductible if your vehicle is hit by an uninsured motorist. You should also ask your agent what type of coverage you have in the event an uninsured driver hits your vehicle and injures you. While collision coverage pays for damages to your vehicle, it does not cover medical bills. You may want to inquire about UM coverage for bodily injury. QuickTake Non-owner car insurance: How to get car insurance if you don't own a car in 2024 Minimum car insurance requirements by state in 2024 Can I insure a car that isn't in my name? Do you need a vehicle identification number for an insurance quote? Can you drive with an expired license? Everything you need to know about insuring two cars Does car insurance cover hitting a deer? What is full coverage car insurance? What is liability auto insurance? 15 things you didn't know your car and home insurance policies cover How auto theft investigators work - and how to hire your own What is uninsured and underinsured motorist coverage? Car warranties versus auto insurance How Does Gap Insurance Work and Do You Need it? Do you need full coverage on a financed car Veterans and military guide to insurance The secret life of your car's VIN "Stacking" your UM/UIM auto insurance coverage 10 things that aren’t illegal but should be SR-22 insurance: What is it and how does it work? How to cut your car insurance bill in half Untangling your insurance during a separation or divorce My wife was half asleep when she went out to scrape snow and ice off her car. She used a snow shovel, not realizing she picked up the one with the sharp metal blade at the end, so she scratched the car all over. Will her car insurance cover the damage? As I was backing out of the driveway I hit a parked car that was parked beside the curb in the street causing what looked like mild damage. My vehicle had no damage. Will I have to pay a deductible? Taking the slow lane by storm: Insurance for low-speed vehicles Car insurance for blind drivers (you heard that right) Insuring your tricked-out, souped-up car See more > 4: If my car is totaled, how much will my insurance pay to cover the loss? If you don’t address the issue when you buy your policy, the claims check to pay for your totaled car may shock you. Mary Paquette, vice president of private client services at Chartwell Insurance Services in Chicago, says that some insurance companies pay out “actual cash value” while others pay an “agreed upon value” in the event of a total loss. Actual cash value is the depreciated value of your car at the time of the loss. Many insurance companies use the NADA Guide to look up this figure, Paquette says. For example, say you insure your new car valued at $20,000 in January. With an actual cash value policy, your car may only be valued at $16,000 in July, Paquette says. That’s what you would be paid for your wrecked car. “It can be a surprise,” Paquette says. But if your policy has an “agreed upon value,” the total loss value of your car (agreed upon annually when you renew your insurance) does not drop during the term of your policy. “This way you have the piece of mind of knowing exactly what that value is listed at and sometimes you have the flexibility to increase that agreed value for an additional premium,” says Paquette, adding that certain companies such as Chubb Group, Fireman’s Fund and Chartis Private Client Group offer “agreed upon value.” Check with your agent to see if your insurer offers that option. Adding the feature to your policy will cost around $100 extra for the average policyholder, she says. For more, here’s what to do when your auto insurer totals your car. 5: If I need new parts for my car, will my insurer pay for original manufacturer parts? Some insurance companies guarantee “original equipment manufacturer” (OEM) parts while others will pay only for “aftermarket parts,” Paquette says. As the name suggests, OEM parts are those made by the manufacturer of your vehicle. “Aftermarket parts” are generally less expensive and made by another manufacturer (commonly foreign manufacturers). Save money on auto insurance Are you paying more than you have to? Here are 12 ways to save on car insurance. “To some people it really doesn’t matter, but to some people it does. These are just good things to know,” she says. Many insurance companies also retain the right to use either one. For example, when it comes to safety items that include airbags and engine parts, some insurers will guarantee OEM parts. But if you need to replace nonsafety items such as a stereo, power windows and door knobs, you may get aftermarket parts. This may not always be negotiable with some insurers. Some insurance companies will not write policies that guarantee OEM parts. Of course you can always choose to pay the extra cost for OEMs if you’re in an accident. “But if you have an option between companies, you may want to go with a company that does not retain the right to use aftermarket parts,” Paquette says. Penny GusnerContributor  . .Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page 1: Am I getting all the auto insurance discounts that my company offers?2: Do I have comprehensive and collision coverage — and is it worth it?3: Does my policy include uninsured/underinsured motorist (UM/UIM) coverage4: If my car is totaled, how much will my insurance pay to cover the loss?5: If I need new parts for my car, will my insurer pay for original manufacturer parts?Save money on auto insurance ZIP Code Please enter valid ZIP See rates