When you are about to purchase car insurance, isn’t it frustrating to have lots of questions and you’ve got no one to answer it? As you are probably aware of now, car owners are required by the government to have at least one insurance policy. That being said, you have no choice but to seek the answers to your uncertainties. Don’t worry as we are here to help you. Below is a list of FAQs and of course the answers you’ll most likely get in an insurance company.

1) How much coverage do I really need?

It is never a good thing to be caught driving underinsured or worse, uninsured. Then again, you don’t want to pay a fortune for some coverage you don’t even need. Experts recommend you carry a minimum of $100,000 to $300,000 in bodily damage liability and $100,000 in property damage liability.

2) Do I need comprehensive and collision?

Yes it is good to have both but you must know that it will really cost you a lot. Having this kind of protection can really provide you a peace of mind. However, this is only advisable to those who are not tight with their budget.

3) How high should my deductibles be?

Your deductibles certainly have a huge effect on your car insurance rate. The higher your deductibles are, the lower your insurance rates will be. Nonetheless, you must know that you’re going to be expected to come up with this money without notice.

4) Do I actually need these add-ons?

You must be extra careful with these car insurance companies. These providers often take advantage of consumers who have less knowledge about add-ons. Do not get swayed easily as you might learn in the end that the extra coverage you’re paying has no use for you at all.