Ask these questions before buying auto insurance in Camarillo.
Are you in the market for auto insurance in Camarillo? If so, you may be tempted to purchase the first policy that you see online. Before you do, however, it’s critical that you assess what coverage you need – and that you obtain it! Ask these questions before selecting your auto insurance policy.
How much coverage do I need?
You must have at least the state’s minimum liability requirements, but beyond that is up to you. You may choose to get more coverage for the protection of your vehicle and finances. Knowing what sort of coverage you have will help you to decide on whether you want to have more coverage for your protection.
What is my deductible?
When you make a claim on your insurance, you have to pay an initial portion of the bill – the deductible. A higher deductible will lower your monthly premium, although you’ll end up with a higher out of pocket cost when you need to file a claim.
Does the insurer have an office?
Although it seems like most business is conducted online these days, having a local insurance branch is best when dealing with complicated and difficult matters. Find out if your insurer has a local office that you can pop into.
What do I do if something happens?
Ask the insurer if they have a 24-hour reporting policy, whether online or by phone. Be sure you understand what the process involves, what information you would need to provide, and when you have to make a claim.
Skip the search of finding the right insurance agent – contact the Camarillo professionals at Chambers & Company Insurance Brokers today to secure the right auto insurance for you. Our team is happy to answer any (and all!) questions that you may have.