Auto insurance terms of coverage and limits of quality and service can vary considerably between policies. Choosing the lowest price, could end costing much more if you got involved in an accident, especially if you have a high-end car. An auto insurance company offers the following list of questions to ask when obtaining quotes for auto insurance. These questions will help consumers understand the scope and quality of service provided.

1. Does the policy cover replacement of the original manufacturer's parts?
Some auto insurance policies will only pay for "generic" auto parts from third-party manufacturers. The quality of these parts may be different from the original. The difference may be of particular interest to owners of luxury cars or high performance cars. Policies designed for the rich market will pay for parts produced by the original manufacturer, also called "OEM" parts.

2. How will I receive a refund if my car is "destroyed or damaged"?
Even if your 7-year-old Lexus looks and turns as new, standard policies sold in the lowest rates can take thousands dollars of your refund by applying the most aggressive form of depreciation. Ask about adding an "agreed value" clause in the auto insurance policy. This feature allows you to set the value of your car before it becomes a total loss.

3. What quality of claims service can I expect?
Even businesses that sell at low prices, policies promise to deliver an excellent service for compensation, it is best to seek a second opinion from the company's site or advertisement. Ask an independent agent or contact your state service insurance. Some states provide information about the number of complaints filed against insurers legitimate car. To find them, visit the website of the Commissioner of Insurance of the state.

4. Does the policy cover the full cost of repairing cars in my shop?
Some companies may do what you have to take the price set by their repair shops, which could not meet your quality standards.

5. What are the limits of responsibility in the auto insurance policy?
If you compare the price of policies, make sure you compare it with the same policy limits of liability, including the uninsured motorists. While many states set minimum levels of liability, these limits may not be desirable for wealthy clients, which are lucrative targets for prosecution. The choice of low priced policies with low liability limits can put much of their net worth at risk.

6. Will I be reimbursed for the cost of the night if my car breaks down far from home?
Standard industry policies do not cover the costs of lodging, meals, telephone calls and expenses to rearrange the plans.

7. Will I get a break if I buy another insurance from the same company, say my house?
Most companies offer discounts when they have your home and auto policies - just ask how.

8. Am I protected for renting a car abroad?
Standard policy does not expand coverage throughout the world. This is important to know if you plan to drive your car in Canada or Mexico.