8 Questions to Ask Your Agent

EMERYVILLE, Calif., DATE – Being a smart shopper isn’t just for buying vegetables and ground beef. When purchasing insurance, AAA Northern California, Nevada & Utah (NCNU) suggests you do some homework in advance. That way, you can get the best value for your money.

Insurance can be complicated, and many people don’t want to deal with the details. But taking the time to asking the right questions can help save you money on your insurance bill.

Check out these questions and pose them to your local AAA insurance professional. The result could be a big savings and you’ll definitely learn a thing or two about coverage.

Auto Insurance Questions

What are the discounts you offer? There may be an array of ways you can save money, ranging from safe driving and senior discounts to those for good students.

What will I get paid if my car is totaled? This is important to know because, if you have an older car with a low market value, collision insurance may not be the best fit for you.

If I have an accident can my rates go up, even if it’s not my fault? Each person’s policy is different, so it’s good to ask under what circumstances your premium would be impacted.

Homeowners Insurance Questions

If my home is destroyed in a disaster, what will my insurance policy cover? Standard homeowners insurance will pay replacement value to help policy holders rebuild their home. In some areas, policyholders can purchase increased coverage through an optional endorsement.

Will my homeowners insurance cover all disasters likely to happen in my area? Standard homeowners insurance covers disasters such as fire, lightning, theft, vandalism, or damage from smoke, water or wind. It does NOT cover damage caused by a flood or an earthquake. Flood and earthquake insurance coverage can be purchased separately.

What are the coverage limits on items like jewelry, art, or other expensive items, if they’re stolen or lost? There are limits on certain types of personal items that normally occur in insurance policies. Ask your agent to walk through the Special Limits of Liability for Personal Property for the policy they recommend and consider purchasing additional coverage through endorsements, if needed.

What is the maximum amount of liability my homeowners policy will cover, and what is the limit for medical expenses? There is a range of liability limits to suit most need. Factors you may want to consider are your net worth, the activities you and your family engage in, and the amount of protection you want, should you be pursued in a lawsuit.

Will my possessions be covered if they’re lost or stolen outside of my home? Most policies will cover things like jewelry or other expensive items (up to a certain monetary limit) that are stolen from your car or stolen or lost while traveling. Your policy may also cover your children’s belongings if they live in a dormitory during their college years.

To find out more about home, condo, renters or auto insurance, call your AAA agent or (866) 222-7868 to see what discounts you may be eligible for and what type of coverage you might need.