You need auto insurance if you drive or own a car, and you should never go without it. Driving without it leads to serious consequences and financial problems, and there is no reason not to buy it. Buying a policy is easy and straightforward, but you also should take your time when selecting a plan. Here are the top questions to ask an agent when calling for insurance. Asking these questions can help you determine which insurance agent to use.

What are the minimum state requirements?

First, you might wonder what your state laws are relating to auto insurance coverage. Every state has rules and laws, but each state has different ones. Asking an agent about this is vital, as you'll need to purchase enough insurance coverage to meet these requirements. An insurance agent that offers nationwide coverage will know the answer to this question and make sure you choose enough coverage.

What coverage options are available?

You might ask the agent about the coverage options to choose from. An auto insurance agent might explain several options, including liability coverage plans and full-coverage plans. If you don't know the difference, you'll want to listen closely during this conversation. There are big differences between these two options, and you'll need to choose the right one.

Do you need full-coverage insurance?

Many car drivers want full-coverage plans because they offer more protection. Others, though, buy these because they're required to buy them. You won't have to choose full-coverage insurance if you don't have a car loan, but it might behoove you to still buy a full-coverage plan. Your agent can help you decide and weigh the pros and cons.

What are the costs?

Next, you can ask about the costs. Insurance isn't free, but the costs vary. Of course, you'll pay a higher rate for more coverage. Thus, you'll want a liability-only plan if cost is the only factor that matters.

What payment options are available?

Finally, talk to the agent about their payment options. For example, do they require a full payment upfront for a six or twelve-month policy, or can you pay by the month? Your agent will tell you the answer to this question and any others you have.

Contact a nationwide insurance agent for a quote

Are you ready to buy an auto insurance policy? If so, you can ask these questions and others to ensure that you choose the right plan for your vehicle, life, and needs. 

For more information, about plans such as Nationwide auto insurance coverage, contact a local company.