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  • Writer's pictureCooke Insurance

Top Questions to Ask Before Auto Insurance Purchase

When purchasing auto insurance, there are many things to consider. Many people find buying auto insurance confusing and overwhelming, so it's important to ask the right questions before signing on the dotted line. Here are the top seven questions you should ask before purchasing auto insurance.

1. What Types of Coverage Does the Policy Offer?

It's important to understand what types of coverage are available with your auto insurance policy. Some of the coverages included are liability coverage, collision coverage, and comprehensive coverage. Knowing what types of coverage are included in your policy can help you decide what type is best for you.

2. What Is the Deductible?

The deductible is the total amount you are responsible for paying up-front for any covered losses before your insurance company will provide any financial assistance. It is essential to understand what your deductible is, as it may have a significant effect on the cost of your premium.

3. Are There Any Special Discounts Available?

Insurance companies may give you a lower rate if you have more than one car insured or have a good driving record. Check with your insurance provider to see if you can get any savings.

4. What Is the Claims Process?

Knowing the claims process is important if you ever need to make a claim. Ask your insurance company about the steps you need to take to file a claim.

5. Are There Any Exclusions or Limitations in the Policy?

Most auto insurance policies come with exclusions or limitations. These may include coverage limits on certain vehicles or drivers and restrictions on how coverage will apply if you're involved in an accident.

6. Is Rental Car Coverage Included in the Policy?

Renting a car when your vehicle is being repaired can be expensive. It's important to check if your auto insurance policy includes rental car coverage so you don't have to pay for a rental out of pocket.

7. Is There a Grace Period for Missed Payments?

A grace period is a set amount of time after the due date of a payment in which you can still make the payment without incurring any penalty or losing your coverage.

Consult a Trusted Auto Insurance Agent

As a car owner, having the right auto insurance coverage in place is important. But with so many different policies, options, and prices, knowing which one is right for you can take time and effort. That's why it's a good idea to consult a trusted auto insurance agent who can provide expert advice and assistance in finding the right policy for your needs.


Asking the right questions before purchasing auto insurance can help you make an informed decision. Questions such as what types of coverage are available, what the deductible is, what discounts are available, and what the claims process is like can help you get the best policy for your needs. Taking the time to ask the right questions can save you money and give you peace of mind.

Cooke Insurance provides tailored auto insurance policies to suit your needs and budget. If you want auto insurance in Saskatoon, contact us, and we will provide a quote.

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