Despite manufacturers working on producing safer cars, more people are dying daily on roads across the United States. According to Bankrate, more than 10 million crashes go unreported every year. That's because either some people don't buy insurance or don't have enough coverage. Choosing the right car insurance policy is crucial to getting the financial protection you need when driving around public roads. Here are four critical questions to ask your auto insurance service when purchasing the policy.

1. Will My Policy Cover Other Drivers of My Vehicle?

Most insurance service providers cover the vehicle, so it doesn't matter who's driving it as long as they have your consent and a valid driver's license. Insurance providers understand that you may sometimes lend your vehicle to your child, spouse, parent, friend, or colleague. However, it's essential to ask this question as providers handle the situation differently.

2. What Is the Minimum Coverage I Can Get?

Each state requires drivers to carry auto insurance except New Hampshire and Virginia. That means you must buy a degree of liability coverage to drive legally on public roads. These minimum requirements vary from one state to another. That's why we recommend asking to ensure you know what's required in your state. Generally, you'll need to purchase bodily injury liability and property damage liability. Some states may include personal injury protection or uninsured/underinsured motorist coverage.

3. What Factors Are Causing My Premiums to Go Up?

Asking your insurance provider why your premiums are so high allows you to plan and improve various areas to lower your premiums. Your age, driving record, the type, model, year of the car, where you live, and even your gender may affect how much you pay. That means no two drivers will pay the same rates, even if they're the same age and own the same car model.

4. What Is the Claim Process?

The claim process varies from one company to another. Ask your potential auto insurance service provider to explain how they handle claims, including how long it takes. You also need to ask which parts will be used to repair your vehicle and what you need to have when filing an insurance claim.

Choosing the right car insurance policy means assessing your needs and getting the right coverage to ensure you're adequately covered. Asking the right questions is the best way to get the right policy for your auto insurance needs. To get this policy or learn more about it, contact XL Brokerage Inc today.