• If you’re in an accident or your car is stolen, it costs money – often a lot of money – to fix or replace it.


• If you or any passengers are injured in an accident, medical costs can be extremely expensive.


• If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage

Your independent agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)


• What is the insurance company’s level of service and ability to pay claims?


• What discounts are available? (Ask about good driver, multiple policy and student discounts.)


• What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)