Can you provide me with a list of all available discounts?
There are tons of ways you can pay less for car insurance: your car has airbags, you only drive the car on the weekends, you’re a conscientious driver, etcetera.

I want to use my own repair shop in case of repairs. Is this going to be a problem?
Expect some resistance here, but stand firm. You should find a repair shop you trust (whether or not it’s on your insurer’s list) and insist upon using it. It may take more time to get your claim processed, but you’ll be better off in the long run. Insurer-approved shops are faster, but they’re not working for you—they’re working for the insurance company.

I already have a homeowner’s policy with your company. Is there a deal I can get on car insurance?
Bundling can work in your favor. Your home insurer should want more of your business. But shop around as well, just in case a better deal lies somewhere else.

How well does this insurer rate with AM Best or Standard & Poors?
Firms like AM Best and Standard & Poor's rate the financial health of insurers Each insurer is graded from A++ to D [AM Best] or from AAA to CC [S&P]. No matter which ratings-agency your insurer quotes, its grade better start with the letter “A.”

Also, your state’s department of insurance should have an annual complaint report showing how many people logged grievances about particular insurers. (Go here to find yours.)

Want to Know More?

• What is Car Insurance?
• Do You Need Car Insurance? How Much Do You Need?
• Advice on Getting a Good Deal on Car Insurance