Choosing the right auto insurance policy is not the easiest task, especially if it is your first car and you have never done it before. Therefore, you need a knowledgable and qualified insurance agent you can rely on to help you determine what kind of coverage you need. Jim Boyce Insurance serving Matthews, NC has prepared the list of questions you should ask an insurance agent when choosing auto insurance: 

Do I have enough liability coverage?

Liability coverage is the minimum required by the state. The best way to figure out whether it is enough for you or not is to ask your insurance agent. In some cases, the minimum coverage is more than enough, while in others additional coverage is needed. 

What happens if I am involved in a car accident?

Many policyholders mistakenly believe that their vehicles will be completely repaired or replaced after a collision. However, your policy may not include collision coverage. That is why it is important to ask this question. 

If my car is totaled, how much will my insurance pay me? 

Make sure to discuss the following: will you receive agreed upon value or actual cash value? Agreed upon value is the full insured amount agreed upon without depreciation. The actual cash value is the amount that is equal to the replacement cost minus depreciation. It is important to know this difference and talk about it with your insurance agent. 

If you are a car owner living in Matthews, NC or any other surrounding town and you are looking for a trustworthy insurance company to buy auto insurance, here is a great option for you. Jim Boyce Insurance is a reliable company that offers personalized and comprehensive service and has been serving clients since 1973. Our experienced insurance agents are ready to answer the above-mentioned questions and help you find a perfect policy. Therefore, do not hesitate to give us a call.