Requesting an auto insurance quote is only the first step to improving your coverage and, more importantly, saving money. This is the right time to shop around, compare rates and coverage, and then make an educated choice.

Figuring out which auto insurance policy is right for you is not simple, so face-to-face or phone contact with agents is beneficial. When speaking with the agent, be sure to ask the agent to explain any issues that will allow you to choose which auto insurance policy is suitable for you and your family.

The following are a few things you should discuss with your agent to make sure that you choose the right coverage for your circumstances.

Who does my policy cover, specifically?

Whether you are single, married, or in a house full of drivers, you will have to know who is covered under your Phoenix auto insurance policy when they drive your vehicles and/or other vehicles. Remember to talk to your agent and learn if and how your auto insurance policy is valid if you borrow or lease a car.

If I purchase a new automobile and have a wreck it, will my insurance be valid?

People purchase, trade, sell, and swap cars constantly. Whereas some insurance policies will broaden your coverage to a newly purchased car, the time limit is generally short. Find out if/how your insurance will relate to a new automobile and for how long.

What does “Physical Damage Coverage” mean?

Physical damage coverage relates to the covered cost of repairing or replacing your automobile after an accident. This coverage comes in two separate sections: collision coverage, which pays for damages resulting from collisions with other cars or property (even signs or mailboxes), and comprehensive covers your vehicle when you are in an at-fault accident.

Are multi-policy discounts available?

Besides auto insurance, many people need additional policies, like homeowners, renters, personal umbrella, or health insurance. Speak with your agent regarding a multi-policy discount. Insuring several things with the same company can save money.

Do I have the right to cancel my Phoenix auto insurance policy if I need to?

As a policyholder, you may be able to cancel your policy, but you should understand first that not only could going without auto insurance be unwise, but also illegal in some states. It can also negatively affect the cost of future auto insurance policies. Talk to your agent about early cancellation procedures to know what is legal and to discuss alternatives.

Discover for yourself how handy comparison-shopping is by requesting your free Phoenix auto insurance quotes now!