| Auto Insurance
JJ has questions to ask about car insurance

You love getting a great deal, whether it’s on a new car, your Friday night pizza order, or tickets to a concert. So how do you go about getting the best deal on your car insurance? It all starts by asking yourself (and your car insurance company) the right questions when you’re looking at more than one car insurance quote. Find out what to ask and why so you can get a great rate that’s right for you!

Q: Am I getting all available discounts?

Auto insurance discounts* vary from company to company, state to state, and driver to driver. Even the discount amount can vary. One company may offer a safe driver discount of up to 10%, while another may only offer 5%. When comparing multiple quotes, check that the discounts are the same. Otherwise, you may not have all the information you need to make the best decision. At Direct Auto & Life Insurance, our agents do their best to make sure you are aware of all our great discounts.

Q: What coverages are included in the quote?

During the quote process you’ll be presented with various customizable coverage options. These options will depend on the insurance laws in your state and whether or not you own your car (since your financial institution or lienholder may require some specific coverages). In general, the more coverages you get a quote for, the higher your quote will be. The fewer coverages, the lower your quote will be. Do the quotes you’re comparing have the same coverages listed? These coverages will have a major impact on how much you’ll pay for insurance.

Q: How much is my deductible?

Did you know? You can lower your auto insurance rate by choosing a higher deductible. According to the Insurance Information Institute, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30%. Going to a $1,000 deductible could save you 40 percent or more. How much are the deductibles on the quotes you’re comparing?

Q: What are my payment options?

Ok, so this question is less about comparing insurance quotes and more about comparing insurance companies. Some companies make it difficult for you to pay on your own terms by tacking on extra service charges or fees, or not allowing certain forms of payment, like cash. Others, like Direct Auto, make it easy to choose how and when you pay! With seven ways to pay (including cash) and customizable payment options,** Direct Auto could be the right choice for you!

Get a car insurance quote online from Direct Auto and compare three different coverage plans, side-by-side. Click between Basic, Value, or Plus, and then customize your quote to match your needs. Getting exactly what you want has never been easier!

Related Information:

Answers to 5 Life Insurance Questions You’re Too Nervous to Ask

10 Things to Love About Your Car Insurance Company

*Discounts may only apply to certain coverages and are subject to terms and conditions and may not be available in all states or distribution channels. Price may vary depending on how you buy.

**Not all pay plans are available in all states and are subject to terms and conditions.

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