Begin with the drivers
Review who drives each vehicle and how the vehicles are used. Mention material changes in household drivers, commuting, or business use.
Compare the coverage details
Ask about liability limits and the separate roles of collision and comprehensive coverage. Look beyond the premium alone.
Consider the out-of-pocket picture
Review the deductibles for the coverages you are discussing. Ask the agent to explain which deductible applies in a given situation.
Ask about the extras
If rental reimbursement or roadside assistance matters to you, ask whether it is included, optional, or subject to particular limits.
This guide provides general discussion prompts, rather than a coverage determination. Review policy terms and individual circumstances with a licensed agent.