7 Questions to Ask About Greensboro Auto Insurance

If you take a minute to Google Greensboro Auto Insurance you'll get nearly 500,000 results! Seriously? That's almost double the population of Greensboro. Who knew Greensboro auto insurance agencies were so prolific?

Actually, there's one listing that pegs the number of Greensboro auto insurance agents and brokers at 123 and provides a complete alphabetical listing. But with all these choices, how are you supposed to narrow down your selection?

First off, many agents represent one single insurer, meaning they have few options as to what they can offer a client. Independent brokers, on the other hand, represent multiple insurance companies and are able to offer a much wider selection of comparative policies. If you're looking for maximum options, look to an independent broker representing a collection of different insurers.

Questions To Ask

Whether you've just started driving and are looking for your first policy or you've been with the same company awhile but have decided to shop around to see if you can get a better deal, there are some questions you should have ready to ask your prospective insurance provider. You may have a basic idea about how car insurance works but lack knowledge regarding the finer points of a policy. Your goal isn't necessarily to get the very best policy possible or the least expensive. What you want is the best value for your money. Asking the following questions can help in accomplishing this. Remember, when comparing one policy to another you need to be comparing apples to apples, which means similar benefits, deductibles, discounts and premium amounts.

1. Will my insurance cover others driving my car? How about me driving a car belonging to someone else?
2. How does my job affect my coverage? Can I be involved in sales or delivery activities and still be covered? (Most policies do not cover these activities).
3. What discounts do I qualify for? Can you tell me about  all your discounts? (This is important. Many agents won't bring up all applicable discounts unless asked).
4. What coverage should I have over and above the minimums required by the State of North Carolina?
5. How is my premium affected by the deductible amounts I choose?
6. What are the premium payment options and which will give me the biggest discount?
7. What exactly does my insurance cover? (Get a walk-through of policy details).

Hopefully these questions will help as you shop for your automobile coverage.