Ask these questions before settling on a car insurance policy.

If you're in the market for auto insurance, you'll know that you need protection for your vehicle and finances. Anything beyond that is a bonus, right? Not necessarily. Finding the right policy to suit your needs and budget is not only imperative but requires a little research and question-asking. You may have found the right policy, but if the company lacks on details or claim handling, you may be in for a bumpy ride. To avoid any nasty surprises down the road, check out the top questions that you should be asking before settling on a car insurance policy. How much coverage do I need? While you must have at least the state's minimum liability requirements, you may choose to get more coverage for the protection of your vehicle and finances. Knowing what sort of coverage you have will help you to decide on whether you want to add any more. How much is my deductible? When you make a claim on your insurance, you have to pay an initial portion of the bill - the deductible. A higher deductible will lower your monthly premium, but you'll end up with a higher out of pocket cost when you need to file a claim. Do I need collision and comprehensive coverage? Collision coverage pays for repairs to your vehicle in a crash, while comprehensive covers other damages, such as vandalism, fire, and theft. If your vehicle is older with a low value, you may decide it's not worth paying for comprehensive coverage. How do I file a claim and what is the process? Ask the insurer if they have a 24-hour reporting policy, whether online or by phone. Be sure you understand what the process involves, what information you would need to provide, and when you have to make a claim. Also ask if there will be one designated person assigned to a claims case, if so, you could save a whole lot of time. Skip the search of finding the right insurer for you.  Secure your needed auto insurance by contacting the professionals at Bell Black Insurance today! We serve those in Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming.