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Questions to Ask before You Make an Auto Insurance Purchase

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Auto insurance is a necessary purchase for vehicle owners. Not only is it required by law in most states, but it can also save you a lot of money and hassle in the event of an accident.

However, knowing where to start with so many different auto insurance companies and policies can be challenging. That’s why it’s essential to ask yourself a few key questions before you start shopping for auto insurance.

Here are some questions you can start answering first:

How Often Do You Drive?

Before purchasing auto insurance, you must ask how often you’ll drive. If you only drive occasionally, you may not need as much coverage as someone who drives daily. The amount you drive also affects your insurance rates, so it’s essential to be honest when answering this question. If you use your car infrequently, you may be able to get a discount on your premium.

Are You Using Your Car for Work?

If you use your car for work, you must purchase a commercial auto insurance policy. This type of policy is different from a personal auto insurance policy, and it will provide you with different coverage options.

A commercial auto insurance policy will provide you with liability coverage if you are involved in an accident and you’re at fault. This coverage is crucial because it will protect you financially if you are sued by the other party involved in the accident.

A commercial auto insurance policy will also provide collision and comprehensive coverage. This type of coverage will pay for the repairs to your vehicle if it is damaged in an accident. This coverage is crucial if you use your car for work because you will be responsible for the repairs if your vehicle is damaged.

What Kind of Car Do You Drive?

The type of car you drive can significantly impact your insurance rates. Some vehicles are more expensive to insure than others, and some types of cars are more likely to be involved in accidents. 

In general, luxury and sports cars are more costly to insure than economy or family cars. That’s because they’re more expensive to repair or replace. When shopping for auto insurance, ask about discounts for certain types of cars. You may be able to get a lower rate if you have a safe, reliable vehicle.

Where Do You Live and Park?

If you live in a high-crime area, your rates will be higher than if you live in a low-crime area. The same is true if you park your car in a high-crime area. If you live and park in a rural area, you’ll likely pay less for auto insurance than if you live and park in an urban area. And if you don’t have a garage to park your car in, your rates could be higher than those with a garage.

Will Someone Else Drive Your Car?

If you have someone in your household who will be driving your car, you’ll need to include them in your policy. Be sure to provide the insurer with their name, date of birth, and driver’s license number.

If you’re not sure if your policy covers anyone else who drives your car, ask your insurance agent or company before letting someone else take the wheel. That way, you’ll know if you need to purchase additional coverage or if the person you’re letting drive is already covered.


It’s essential to ask the right questions before getting auto insurance. Answering these questions above can help you get the best possible rate on your auto insurance. Ensure also to understand the coverage options available and the deductibles and limits associated with each policy. It’s essential to get quotes from multiple insurers so that you can compare rates and find the best deal.

Bassine Insurance Agency offers a variety of insurance products to suit any budget. If you’re looking for auto insurance in Fort Myers, we can provide you with a number of options. Our team of professional insurance brokers has the experience and knowledge to get you the best possible quotes. Request a quote today!


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