How do I know if I have the right car insurance policy?

I’ve had the same car insurance company and policy for years now and luckily have never had to file a claim. After hearing how much trouble my friend had filing a claim, I want to make sure I have the right policy. I tried looking at my policy details but it all just seems so confusing. How do I know if I have the right car insurance policy?

Answer
You’re right, car insurance can be a confusing topic, but it is great you are checking to make sure you have the right policy now, rather than when you need to use it.
The first thing you’re going to want to do is locate your policy’s declaration page. This document will have all the details of your policy listed, but the insurance jargon can still be a bit confusing. If you need additional help making sure you have the right coverages, you may want to speak with an agent to ensure you have the coverages that suit you best.
Keep in mind, you always want to make sure you have more than the minimum car insurance required in your state so that you are adequately covered. In addition, having proper coverage can help avoid any claim issues you may have in the future.
Once you have identified the coverage you need, it may be a good idea to shop around for a new car insurance company to ensure you are getting the best deal. Using a comparison and shopping app like Jerry is a great way to simultaneously compare car insurance quotes from up to 50+ different insurance companies for free. Jerry also has agents ready to answer any car insurance questions you may have along the way. They can even purchase the new policy for you while helping you cancel your previous policy!
Jack Walsh
Answered on Oct 22, 2021
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