Car insurance is one of the most important types of insurance. Moreover, it is also required to have auto insurance in Missouri, and it is illegal to drive without it. However, choosing the right car insurance coverage is not the most straightforward task. In order to make an informed decision when you are shopping for car insurance, there are specific questions that you should ask your insurance agent. Senn Insurance Agency, serving O’Fallon, MO and other surrounding areas, has prepared a list of a few of them:
How Much Coverage Do I Need?
A car insurance agent is an excellent resource for deciding how much coverage you should get. In addition to the minimum coverage required by the state, there are other types of auto coverage that you can discuss with an agent. They include comprehensive coverage, uninsured and underinsured motorist protection, and collision coverage.
How Much Will I Get If My Car Is Totaled?
It is crucial to discuss losses with your agent as well. You need to figure out whether you will receive actual cash value or agreed-upon value. Actual cash value means the replacement cost minus depreciation, while the agreed value is an agreed amount settled upon by both a policyholder and the insurance company.
Who Is Covered Under My Policy?
It is an important question because many people assume that one policy means one car. However, in most cases, when it comes to sharing a vehicle with other family members, additional coverage is needed.
Getting the right car insurance coverage is extremely important because it is the protection of you, your family members, and your passengers on the road. If you are a car owner from Missouri and you have questions about auto insurance that you want to discuss with an insurance agent, Senn Insurance Agency, serving clients from O’Fallon, MO, will be glad to assist you. Give us a call to talk to one of our experienced insurance agents and receive all the information you need.