Questions to Ask When Buying Car Insurance

You know how to drive and you know how to buy car insurance. But there are a few things that may not be as obvious when comparing car insurance quotes or purchasing your policy.

How to Buy Car Insurance

how to buy car insurance
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Here’s our list of the top 11 questions to ask yourself so you can get the best deal on your next policy:

Does my car need special medical insurance for passengers?

If you have a sports car or any car that’s more than 10 years old and not worth much money, you may need to buy extra insurance for passengers. This is because insurance companies are less likely to be willing to pay out if your vehicle gets damaged in an accident. In some cases, they may even drop you altogether if they discover that your car is older than set age limits or has been involved in too many accidents.

If your vehicle has airbags or safety features like anti-lock brakes or stability control then it might qualify for special medical insurance for passengers—but only if it was installed after the year 2000. You can also get this type of specialized coverage if you have a high number of passengers riding with you regularly—for example, if you’re driving children somewhere every day after school but don’t own enough cars to fit everyone into one vehicle at once without exceeding state legal limits (if such laws exist).

What level of deductible should I choose?

The deductible is the amount you’ll be responsible for paying out of pocket if any damage or loss occurs. It’s a percentage of the claim, and it’s usually calculated as a dollar figure. For example, a $250 deductible would mean that you’d pay $250 out of your pocket before your insurance kicks in.

If you have an older car that’s worth less than $2,500 or so (the typical value of most cars), then choosing higher deductibles might make sense for you. When choosing higher deductibles, keep in mind that they can’t go over 50% or else you won’t have collision coverage on your policy—and if your deductible is already high enough to trigger this rule (which it likely will be), then adding more may not be worth it for some people who aren’t comfortable with having to pay more than half their claim amount out of pocket at once.

On the other hand, if your car is relatively new and has a high value—around $20K+—then going with lower deductibles could be beneficial since rates tend to drop when drivers choose them over higher ones

Am I covered if someone jumps in my car and wrecks it?

  • If you are not listed as a driver on the policy, then you will not be covered.
  • If you are listed as a driver on the policy (or if your name is on the title), then you will be covered.*
  • If you are a passenger in the car and get injured, then you will be covered.

Am I covered if I loan out my car and something happens to it?

  • You are covered if you loan out your car and something happens to it. If you lend out your car and something happens to it, you can be sued for the damages.
  • For example: Let’s say that a friend borrows your car, crashes into another vehicle, and injures someone. In this case, you are not responsible because they were driving while using your vehicle without permission or consent—that’s what makes it an “uninsured” driver situation. However, if they had borrowed it with your permission or consent (in writing), things would have been different since then they would be considered an “insured” driver under your policy—and therefore responsible for whatever damages they caused while operating on behalf of both parties involved!

Does my policy include roadside assistance?

Roadside assistance is a service offered by many auto insurance providers that can help you get back on the road if your car breaks down. This can include a tow truck to haul your vehicle to a repair shop, or even just helping you change a tire or jump-start your car. Depending on the policy and provider, roadside assistance may be included in your premium or offered at an additional cost. If it’s not included in the basic price of your coverage, consider which type of assistance would be most useful to you before making any decisions about buying additional services from this section of the site.

Is flood damage covered under a standard policy?

The short answer is yes. However, flood damage isn’t automatically covered by your insurance company. You’ll want to check with your agent to see if it’s included under your policy or if you’ll need extra coverage for this type of damage.

If a vehicle has been submerged in water, there are a few ways you can determine whether or not it’s safe to drive again (and needs to be repaired) or if it’s time to write off the loss and put the car up for sale. First off, try starting the engine and checking that everything works like normal while the car is dry. If nothing seems amiss after this test drive, then odds are good that everything else will be fine as well when wet conditions return—but keep in mind that electrical systems may still fail after getting wet due to moisture build-up inside wires or connectors between parts like fuses/relays/switches/etc., so make sure all lights work before driving long distances across state lines!

If something doesn’t seem right once out on highway speeds though—anything from shaking steering wheel vibrations during acceleration (a sign of possible transmission failure) through loud noises coming from underneath during idle speed shifts towards lower RPMs indicates problems with internal engine parts that won’t be fixed until after repairs have been made.”

How can I reduce my costs when buying car insurance?

When it comes to the price tag, one of the most important things you can do is shop around. If you’re in a hurry and need a policy right away, call your agent or insurance company directly (some will even let you do this on their website). Otherwise, comparing car insurance quotes using an online aggregator from different companies without having to speak with anyone first is an easy option to start with.

Allstate: We go by your driving record and not your credit score as part of our underwriting process when determining how much coverage is available for you at any given time.

Axa: We look at other factors that have an impact on premiums such as your age and where you live but we don’t take into account what kind of car someone drives when setting premiums – we simply look at the type of vehicle being insured.

State Farm: Your age, gender, and marital status play no role in determining to price for our customers’ policies; however, there are some instances where customers may qualify for discounts based on their driving or vehicle history (for example if they’ve been accident-free for several years).

Shop around and use your negotiation skills to make sure you get the best deal possible.

Buying car insurance is a lot like buying anything else. You need to do your research, compare prices and be prepared to walk away if you don’t get the best deal possible. The internet makes it easy to find different providers and compare their offerings, so start there. Don’t forget that shopping around doesn’t have to stop at just one company or website; use all of the resources available to you before making a final decision.

Just as with any other type of insurance, you must know what coverage options are available and which ones are right for your needs to make an informed decision about which provider is going to offer the best coverage at a price that works within your budget.


We hope this article has helped you understand what to consider when buying car insurance. It’s important to shop around and use your negotiation skills so that you get the best deal possible!

Jasper has been an enthusiast of the automotive and IT industries since the age of 16. He independently writes on the auto industry's recent happenings.