Ask Your Car Insurer These Questions


Buying insurance may not be the most thrilling experience. You may choose to turn to the help of an insurer to better understand your coverage, options, and discounts. When you’re shopping for car insurance on Long Island, NY policy, make sure to ask your agent these questions.


What coverage do I need?

While this question is relatively straightforward, it’s important to ask. Everyone’s situation is different, and you may have different needs. Go over the different types of insurance with your insurance agent. There are many different coverages to consider, including:

  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist protection
  • Personal injury


Am I eligible for any discounts?

You never know unless you ask! You may be surprised at how much you can save just by asking this simple question. Your insurer may offer discounts such as:

  • Safe driver
  • Good student
  • Safety features
  • Paid in full
  • And more!


What is my deductible?
The deductible is the amount you need to pay out of pocket before your insurance coverage kicks in. Your deductible should be an affordable amount so that you can comfortably pay it in the event of a claim. Too high and you risk not being able to file a claim, pay the deductible, and get back on the roads.


When you’re looking for quality car insurance that you can count on, trust the experts at Premier Risk, LLC. We have years of experience matching the right auto policy to the motorist, tailoring it to your needs, budget, and vehicle. Contact us today on Long Island, New York to get started!