If you are shopping for an auto insurance policy in Napa, CA, you need to know the right questions to ask to get a good deal and proper coverage for your car. Most insurance agents are unwilling to give you in-depth information about the coverage options and only provide you with the basics. It is up to you to ask a lot of questions to know the plans available for you.
Wine Valley Insurance Services in Napa, CA have customer-centric agents ready to respond truthfully to all your questions and provide you with a suitable auto insurance policy. Here are eight questions you should discuss with our insurance agents before signing your policy forms.
8 Questions you need to ask before buying auto insurance in Napa, CA
What types of coverage options are available for my vehicle?
In Napa CA, vehicles are required to have liability insurance which covers the cost of injuries in case of an accident or death plus the damage caused to the car. It also covers third-party property damage and legal fees.
Who is covered by the policy to drive my car?
This is an essential question that is often overlooked. Seek clarity on who is covered by the policy, especially if you will not use the vehicle.
What will my car premiums be?
It is essential that you only agree to premiums that you can afford to pay to avoid instances where your vehicle insurance claims are not repaired due to unpaid premiums.
Does the insurance company offer discounts?
If you qualify for a discount that the insurance company offers, go for it!
What are my premium payment options?
Enquire from the agents from Wine Valley Insurance Services in Napa CA, about all possible payment options, including whether you can pay the entire annual bill at once.
How will you determine the value of my car?
The value of your car heavily impacts your premiums. Ensure your vehicle is not undervalued or overvalued since this will negatively impact in case of an accident.
Do you have a 24-hour claim service?
Having a 24-hour claim service assures you that you will get the required services in an accident.
Will I receive the original manufacturer’s parts if my vehicle has an accident?
Not all insurance companies will have your vehicle’s damaged parts replaced with the original manufacturer’s parts.
Do you have more questions? Please speak to our Wine Valley Insurance Services agents in Napa, CA or visit our website and chat with us.