What Questions Should I Ask GAINSCO When Shopping for Auto Insurance?
When looking for a new auto insurance policy GAINSCO has lots of options to save you money. By asking the correct questions, you'll find the correct policy which provides the most value for money.
Auto insurance shopping is a fairly straightforward process since most people know what they need coverage for. When you shop for a new policy, a few questions must be asked to ensure that your policy provides what you need.
Choosing an insurance policy should not be based on what's cheapest or best, but rather one which provides the most value for money. When you compare quotes and see a low insurance premium, it's easy to get excited. But, before you get too excited, read the policy details.
To ensure you are getting the best value insurance, you must ask these questions when shopping for auto insurance with GAINSCO.
Questions to Ask GAINSCO When Shopping for New Auto Insurance
- How much is the excess? If you need to file a claim, you will need to know what the excess is, if there is a different excess for loss and damage. Is the excess a flat rate or is it calculated?
- How quickly are claims processed? After being in an accident, the last thing you want to do is to spend a long time waiting for your car to be fixed. Therefore, you want your claim settled as soon as possible and should find this out before signing up for insurance.
- What if someone else drives your car? Are you covered for other occasional drivers? Your car insurance will typically cover other occasional drivers. However, if you have a spouse, teenager or housemate, they should be listed as additional drivers.
- Can you drive anywhere and whenever you wish? Where do you live, and where do you park your car? Your location will impact your insurance rates and may influence what coverage you purchase.
- What amount do you drive each month? Do you need your car every day to drive to work, to the kids' activities, or to commute to work? Does your policy reflect what you drive?
- What kind of car are you driving? Insurance companies have mountains of data on what kinds of cars, makes, and models are more or less likely to garner claims.
- What are your legal obligations? Most states require that you have minimum liability coverage on your car. While these levels are generally pretty low, you should ensure your policy complies with state requirements.
- Is your car financed or leased? As long as you haven't paid off your car yet, or it must be returned in good condition when your lease ends, you'll probably need to carry full-coverage coverage for the car and for any difference between what you owe and the car's market value.
If you have any questions or need further assistance with getting a quote for a new policy, you can always contact GAINSCO Auto Insurance to assist you with your questions.
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