Auto insurance is mandatory in the state of Illinois. Therefore, if you are a car owner, you will have to have a proper auto insurance policy to drive your vehicle. However, there are hundreds of insurance options to choose from, and it might be overwhelming to find a policy that would address your individual needs. If you are currently shopping for auto insurance in Chicago, IL or any other town in Illinois, here is a list of questions you should ask an insurance agent.
Questions to Ask an Insurance Agent
You should always ask the following questions:
- How much coverage do I actually need? There is a minimum amount of liability coverage you have to carry to comply with state law. However, you may need additional coverage for better protection. You should ask an insurance agent this question to be guided through coverage options and make the right choice.
- Are there any discounts available? You might be eligible for specific discounts, including multi-car, homeownership, and good student discounts. Ask an insurance agent about them.
- What deductible should I choose? The deductible is the amount an insurance holder must pay out of pocket before their insurance kicks in to cover the rest. If you ask an insurance agent about it, they will explain how the deductible affects your premium.
Do not hesitate to ask more questions and get as much information as possible. This will help you avoid mistakes when choosing auto insurance.
NCIB Group Inc. – Insurance Agency in Illinois That You Can Trust
Do you live in Chicago, IL, or any other nearby town and own a car? You should consider carrying proper car insurance. Since choosing the right policy might be more complex than you think, an experienced and reliable insurance agency NCIB Group Inc. is ready to assist you. Feel free to visit our website to get more information, or give us a phone call.