No one anticipates needing to file an auto claim. However, according to Forbes, the average driver will make an automobile collision claim once every 18 years. This means that if you start driving at 16 years of age, you’ll be involved with at least three collisions over your lifetime. Of course, you're going to need car insurance for your vehicle. Here are three questions to ask your agent before you sign up.

1. Am I Getting All the Available Discounts You Offer?

While car insurance companies offer an incentive for safe drivers, you can see if you qualify for other credits, like low mileage or additional safety features. You may also qualify for an eco-friendly discount if you drive a hybrid car. If your kid does great in school or if you're a teacher, you might get a discount. It doesn't hurt to ask. You might wind up saving money.

2. Is It Worth It to Have Comprehensive and Collision Coverage?

The thinking behind deciding whether to get this coverage or not depends on how old your car is. The older it is, the less valuable it becomes. You really only want this type of coverage for newer cars, so once you've had yours for a certain amount of time, it would possibly be more cost-effective to cancel it. Discuss it with your agent for an expert opinion.

3. Do I Have Uninsured/Underinsured Motorist Coverage?

This one depends on the state that you live in. Your state might require you to have it. If they don't, you should still strongly consider getting it if it's not already part of your policy. The reason for this is that you will be covered if you're hit while driving by a driver that doesn't have insurance, which could become a costly nightmare. There are other things to find out too, including how much they will pay if your car is totaled and whether they will pay for original manufacturer parts if you need to get new parts. Find out these things ahead of time to avoid any shock when you have to communicate with them about it after you've already signed up.

Car insurance is an important thing to have. You want to ensure that you have the right coverage for your needs and budget. Knowing that will put you at ease. Are you looking for car insurance? Contact Ramsey Family Insurance today!