Most of us really do not completely understand our auto insurance policies. Sometimes we have questions about our policies, new coverage, or how to handle different situations. It may be quite easy to search for your answers on the web. You can just go to your favorite Internet search engine, type in your question, and view your results. The problem is you cannot be sure that everything you read on random web pages is really the right answer for you.
Some answers may be good, and the person who posted the answer might be a credible expert. But it may be hard for you to judge the poster’s credibility for sure. Sometimes the answer was correct when it was posted, but now it is dated. In addition, insurance regulations are different in different locations. The right answer for a person in Nevada may not be the right answer for a person in New Jersey! In fact, some companies set plans and prices by zip code. You might live in the same city, as another person, but in a different zip code, and find that you have access to different insurers, plans, and price tables. When you need answers to your insurance questions, you really have to be certain that they apply to you.
Who Has Good Answers To Insurance Questions?
There are, of course, some good places to find answers about insurance policies, rules, and prices.
A local, licensed insurance agent is a great resource. He or she should know the answer to common questions. If your agent does not know the answer, he or she should be willing to research it and get back to you.
You may not always want to ask your agent every question. In some cases, the question may even be about your agent or old insurer. Another good place to get answers is your own state’s insurance department. In the US, all state insurance departments have websites. You may be able to look up the answer there. If not, you can call or email them with your questions. In my experience, state insurance departments have good consumer services for their residences. They really do exist to regulate insurance and protect consumers.
If you want to learn more about new policies, it may be convenient to visit the website of a major insurer. Some of them provide local information and free insurance quotes. If you have more questions, you can always pick up the phone, and then call one of their representatives.