10 Insurance Questions to Ask Your Agent  

When was the last time you looked closely at your coverage or explored potential discount opportunities?

Whether you’re due for a policy review or considering changing insurers, it’s crucial to arm yourself with the right questions to ensure you’re adequately protected against life’s uncertainties.

Here are ten questions to ask your insurance agent to help you make informed decisions about your coverage.

1. What’s my deductible?
   Understanding your deductible is key to managing unexpected expenses. Discuss with your agent the optimal deductible amount for your situation and whether adjustments could lead to long-term savings.
2. What does my policy cover?
   Policies vary in coverage, so it’s essential to clarify what protections yours provides. Are natural disasters, flooding or theft fully covered? Knowing the details can alleviate stress during challenging times.
3. When is it time to change or update coverage?
   Life events like marriage, relocation, or pet ownership can impact your insurance needs. Stay proactive by discussing potential updates with your agent to ensure your coverage remains relevant.
4. What kind of discounts am I eligible for?
   Explore potential discounts, such as bundling policies, good student discounts or early payment incentives. Additionally, inquire about lesser-known discounts like homeownership or customer loyalty perks to maximize savings.
5. Are there any new coverage options available?
   Stay informed about new coverage options that align with your evolving needs. Your agent can introduce you to additional protections or endorsements that may enhance your policy’s effectiveness.
6. How can I optimize my coverage without overpaying?
   Striking a balance between comprehensive coverage and affordability is essential. Work with your agent to identify opportunities to optimize your coverage without exceeding your budget.
7. What steps should I take in the event of a claim?
   Understanding the claims process beforehand can streamline the resolution of future incidents. Ask your agent about the necessary steps to take in the event of a claim and any documentation you should prepare in advance.
8. Can you explain policy exclusions or limitations?
   Understanding what isn’t covered by your policy is as important as knowing what is. Ask your agent to clarify any exclusions or limitations in your coverage to avoid surprises during claims.
9. What factors influence my premiums, and how can I lower them?
   Several factors may affect your premiums, such as your age, location and driving record. Discuss strategies to potentially lower your premiums with your agent, such as improving your credit score or taking advantage of available discounts.
10. Do I have sufficient liability coverage?
    Liability coverage may help protect you financially in case you’re held responsible for causing injury or property damage to others. Ensure that your liability limits are adequate to protect your assets and future earnings by discussing this with your agent.

Contact Us

Contact SOS Insurance Agency in Athens, Alabama, to get your insurance questions answered.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.