No matter how long you’ve went without having an auto accident, it’s still extremely imperative that you invest in car insurance. After all, you never know when you might get in an accident, and you never know how much the damages will add up to.

Fortunately, with insurance you can rest assured that you’ll be covered in auto accident, but it’s important that you make sure you’re adequately covered with the best policy. Here are a few questions that you’ll want to ask your insurance agent who serves the 12203 area.

Is comprehensive coverage offered?

If you opt for a minimum liability policy, you should understand that you won’t likely be covered for flood or animal damage, such as hitting a deer. To be covered under these circumstances, you would need comprehensive or full coverage.

Are discounts offered?

Are you in school? Have you been accident free for a long period of time? Do you have other policies with the service provider? Does your car have anti-theft features? If you answered yes to any of these questions, then you most likely qualify for some type of discount on your auto insurance. The savings could be upward of 20 percent, so make sure to ask about them.

What happens after a collision?

If you want to make sure that your car is compensated for after an accident, then you’ll need a policy that includes collision coverage. In the event that you get in an accident that is your fault or with an at-fault driver who isn’t covered, then your collision coverage would kick in and compensate you.

If you have more questions about car insurance in Albany, NY, contact us today. One of our reputable agents can provide you with free quotes.