For many drivers, not understanding the details of their auto insurance policy can be frustrating. Policyholders who communicate with their agent may find it easier to purchase the right amount of insurance and Insure.com offers advice on questions that can ensure adequate coverage at a great rate.

According to the source, drivers should make sure they are getting all the discounts their insurer offers. These may range from safe-driver discounts to deals for installing anti-theft technology while others may see a cut in price for parking in a more secure location.

While comprehensive and collision coverage are add-ons, drivers are advised to ask auto insurance agents if it is worth having. This can depend on the value of a vehicle, as the policy for repairs and damages from collisions, vandalisms or natural disasters may add up to be more than a car's worth over time.

Some states are no-fault auto insurance states, but in Virginia, drivers may want to make sure their policy includes uninsured and underinsured motorist coverage. This will limit or eliminate the chance of drivers having to pay out-of-pocket if the other party involved in an accident is lacking adequate coverage.