Don't assume everyone is covered. Clarify if the policy covers:
Many companies won't apply discounts unless you ask for them specifically. Inquire about: 8 questions to ask before buying auto insurance | III questions to ask when buying car insurance
Ensure you choose a deductible you can realistically afford to pay on short notice. Don't assume everyone is covered
Protects you if you're hit by someone with little or no insurance. 2. Who is covered to drive my car? $500 vs. $1
Beyond the state-mandated minimums, you need to know exactly what risks are covered. Ask if the policy includes:
A deductible is what you pay out of pocket before insurance kicks in.
Ask for a range of deductible options (e.g., $500 vs. $1,000) to see how much a higher deductible reduces your monthly premium.