As a responsible driver, you know just how important it is to have adequate car insurance. However, if you are like many people, you might not ask your car insurance agent enough questions. It is important to ask plenty of questions to ensure that you are getting the best policy.

Here are some questions to ask.

If My Car Gets Damaged, What Will Be Covered?

Many people think that their car insurance policy automatically covers everything. However, not every policy covers the same things. For example, liability insurance just pays for the damage to someone else's car if you cause an accident. You must have collision coverage to cover accident-related damage to your own vehicle. When speaking with a car insurance agent, remember to ask what your policy does and doesn't cover.

Do I Qualify for Any Discounts?

There's nothing wrong with asking about car insurance discounts you may qualify for. After all, you don't want to pay more than you have to for insurance. If you recently retired, for example, you may be able to get a discount for that. Likewise, if you have a teenage driver who is a good student, your insurance agent may give you a discount for that.

What Will Occur If I Miss a Payment?

Whether due to forgetfulness or financial difficulties, some people may miss a car insurance payment. During your meeting with a car insurance agent, find out what can happen if you happen to miss a payment. Some insurance companies may just cancel your policy while others may be willing to work with you.

Can Anyone Else Drive My Car?

Before you allow a friend or family member to drive your car, ask your insurance agent who can get behind the wheel of your car. If someone else drives your car and gets into an accident, your insurance company will be responsible for the damages. Your insurance company may require you to add a secondary driver to your policy.

What's My Deductible?

It's also important to find out what your deductible is, which is how much you have to pay before your insurance company starts paying on a claim. If you think your current deductible is too high, you may be able to ask your insurance agent to lower it.

If you have any questions or concerns about your insurance policy, you should get in touch with your car insurance agent today.