There are a lot of different aspects to understand about an insurance policy before you ever make a purchase. Unfortunately, many newcomers to the insurance arena stumble in blindly, unsure about anything except that they must leave with a policy in hand. Here are some important questions to ask your insurance agent in Gastonia or wherever else you may end up purchasing a policy. You’ll find these questions useful when discussing any insurance policy.

Ask About the Company

If you don’t know anything about the company from which you are considering making a purchase, ask about them. Find out how long they have been in business, what sort of policies they offer, and what regions they can cover. With all of the insurance scams going around, it’s important that you feel comfortable with and can trust the company providing you coverage. 

Are Discounts Available?

Your insurance agent in Gastonia may be able to offer you a lower premium based on specific discounts you qualify for. The discounts may vary depending on the company and the type of policy you are looking to purchase. Many companies offer discounts if you have multiple policies with them, are a good driver, are a good student, or have been with them for a certain number of years. It doesn’t hurt to ask how you can save money, especially when purchasing policies for your whole family.

What Causes a Rise in Premiums?

If you’re worried about your monthly payments suddenly increasing, ask about what causes that. Usually, it has something to do with a claim on your policy, such as if you have been in a car accident. Besides claims, ask about other causes of rising premiums you need to be aware of.

Ask About Payment Options

Some companies offer flexibility with how you can pay your premiums. You may be able to pay for a full term up front. In fact, some companies offer discounts if you pay for your whole term in one payment. Other companies may prefer monthly payments. Inquire about your options so you can make the best decision for your financial needs.

Ask About the Claims Process

If you have never made an insurance claim before, ask your insurance agent in Gastonia about what to do if you need to make a claim. It’s important to know who to contact and what to do, including the type of information you may need to collect. If it helps, write down the process so you know what to do if you ever need to put your policy into action.

Get Clarification on Terms or Anything Else You Don’t Understand

There is a lot of insurance and legal jargon that may fill your policy, and it can quickly become difficult to understand. If you are ever unsure about what your policy means, ask your insurance agent in Gastonia to explain it to you in terms you can understand easier.

Make Your Decision

The insurance policies you purchase for your family are important, so it is vital that you have a clear understanding of the product, as well as the best ways to save money with your purchase. Your insurance agent in Gastonia is on your side, so make sure to choose a company that you feel comfortable asking all of your questions concerning insurance.


Hey there, I’m Tiffany! I’m a work-at-home mom of two rambunctious children (Jasmine, 9 + Sean II, 5) and recently widowed at just 35 years old. I've remarried and currently live right outside of Baton Rouge in Denham Springs, Louisiana with two adoring cats and a dog. Let's connect on Twitter @fabulousmomblog.

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