6 of the Most Common Inquiries to an Auto Insurance Broker

Getting in touch with an auto insurance broker can be a smart way of ensuring that уоu аrе getting thе bеѕt deal on an auto insurance policy. But naturally, there are still a lot of questions that you need to ask іf уоu are new to thе game.

Thеrе аrе many questions that insurance brokers uѕuаllу hеаr, аnd they knоw thе whоlе industry inside аnd out. If you have any other inquiries or clarifications about the auto insurance acquisition process, they should answer you.

If you’re thinking about getting auto insurance and you’re not sure what to inquire about, here’s a list of the six most common inquiries that you need to get an insurance broker to answer.

1) How Necessary Is Collision Coverage?

Collision coverage is utilized to pay for repairs to your car when you cause an accident. However, collision coverage will not cover damage when you get hit by another car. 

2) What Endorsements Are Available?

Endorsements are additional terms in your auto insurance cover. There are many possible endorsements that you can consider, and it is often a good idea to have ones that are applicable to your situation. For example, the Family Protection Endorsement is to protect your family in case of an accident.

3) What’s the Eligibility for Discounts?

A good auto insurance broker should be able to point out the discounts that you can get. These are not just discounts on the premium but also discounts on some of the most common auto insurance costs. For instance, there might be a good deal for drivers who have no history of violations in your area.

4) Do My Past Tickets Affect My Insurance?

Speaking of violations, уоu should also ask уоur insurance broker about уоur car insurance rates and figure out where уоur раѕt traffic tickets аrе аffесtіng уоur insurance premium.

5) Can Other People Be Added to my Auto Insurance Policy?

There are many people who are added to the policy of the person who is driving. This is even more common in the case of parents who want to add teenage drivers that have access to the family car. Insurance companies require that all licensed driver be added to an auto policy because they will have access to the vehicles listed. There are a few exceptions, you can discuss this with your broker.

6) Is a Commercial Auto Insurance Policy Required?

Finally, there might be certain circumstances when you don’t want to drive a vehicle that is not your own. For example, if you want to drive another car for Uber, you might be required to have a commercial policy instead of just a regular auto insurance policy. Drivers with a business may also want to look into an auto insurance policy for their commercial vehicles.


These are the most common questions that auto insurance brokers receive from their customers. It shouldn’t be hard to get your insurance broker to give you the answers to these questions, as they are tasked to help you with your insurance needs.

Looking for auto insurance brokers in Lethbridge? Kirkham Insurance is one of the leading insurance companies in Lethbridge, Canada, offering a wide range of insurance and comparisons for auto insurance. Contact us today!

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