Following are some key questions to ask your insurance provider BEFORE you purchase your automobile insurance.

1. What coverages does the law require me to purchase?
2. Can you give me an example of a loss that would be paid under each coverage?
3. I understand there are optional coverage selections of Specified Perils, Comprehensive, Collision, and All Perils. What would each one cover, and which should I consider?
4. Is it possible to buy "new for old" coverage on my vehicle and, if not, why not?
5. Should I purchase coverage for a rental car if my car is out of use because of an insurance loss?
6. Is there also coverage available to protect such a rental car from damage to it that might be my responsibility?
7. As my insurance professional advisor, what coverages and limits would you recommend that I carry?

The preceding questions are intended as a guideline only, and are not meant to be exhaustive.