1How much Auto Insurance coverage do I require?
Most states require drivers to carry a minimum amount of liability insurance. Liability insurance provides coverage for other drivers in the event you’re at fault in an accident that causes injury or property damage to others. The amount of coverage you carry beyond liability is contingent on a number of factors:
- The value of your car and other assets
- Do you have a lien holder?
- How often you drive
- How you use your vehicle (e.g., mostly driving to work, etc.)
- Do you regularly transport passengers? How many?
2What happens if my liability coverage isn’t enough to cover a claim against me?
It’s not inconceivable that the liability portion of your auto policy could hit its payout limits in the event of a serious claim against you. This is especially true if you were sued by someone claiming you caused their loss or injury. If you lost the suit, the award could easily exceed the payout limits of your normal auto policy, potentially devastating your finances.
This is when a Personal Umbrella Insurance Policy would be extremely useful. Personal Umbrella Insurance supplements your existing auto insurance policy and begins paying when you reach the payout limits on the standard policy.
3How do insurance providers use my previous record to determine my current rates?
You might have heard the old saying that “past is prelude to future.” In the insurance business, this axiom is taken seriously. How many accidents have you been involved in while behind the wheel? How many speeding tickets or other traffic citations have you had? Have you ever had a DUI or DWI? How many comprehensive claims have you averaged per year in your driving career?
Auto insurance companies use such information to establish your driving and claims patterns over time. From those patterns, providers make statistical predictions on how likely you are to be involved in an accident, to get a citation, to make a comprehensive claim, etc. Companies are legally permitted to base auto insurance rates on these predictions.
Please note, however, that providers are also limited regarding how long they can cite any single accident, traffic violation, etc., as reason to increase your rates or keep them high.
4Do I have to buy auto insurance from you if I get a quote online?
Absolutely not and never, ever. Our quotes are always 100% free of charge or obligation.
5What payment options do you offer?
You can pay your premium via check, money order, or any major credit or debit card. Please note that, if you pay with cash, you’ll need to come by our offices in person to do so, which presents a decided inconvenience.
If you pay via check or money order, these can be mailed to us.
If you pay with credit or debit card, you can process this payment online or call us!
Some companies offer discounts if you elect to have an electronic draft from a checking account or credit card. Contact us so we can go over your options!
6When does my policy begin covering me and my vehicle?
Your coverage begins upon issuance of a valid proof of insurance coverage card. We will mail this card to you, but you can also access it online.
Is a payment receipt for a policy a valid substitute for a proof of insurance card?
No. Your proof of insurance card contains all the details of your policy not provided by a receipt. These include your confirmation number, policy number, your vehicle’s VIN, and other information. Most providers allow you to access this information online, too.
7How secure is my private information with your company and on your website?
Extremely. We take your privacy very seriously. We never sell your information to third parties and we use cutting-edge security protocols to keep your data protected.
8What kinds of discounts are available for Auto Insurance?
- Safe driver
- Pay in Full
Home or Manufactured Home Owner
Please note that some discounts are provider specific. Ask your provider what discounts might be available to you.
9Why did my Car Insurance rates change?
Many factors can cause you Auto Insurance rates to change:
- Normal market fluctuations, influences, and variances
- You had an accident that was your fault or not your fault
- You’ve had a recent traffic citation
- You added a driver or a different vehicle to your policy
- Added or changed coverage(s)
10What is a deductible and how much should I choose for my deductible?
A deductible is an amount of money that you yourself are responsible for paying (out of pocket) toward an insured loss.
The amount largely depends on your personal finances. How much can you afford to pay out of pocket on any given insurance claim? Is the amount $250, $500, $1000 or more? How much monthly premium can you afford? To answer these questions, you must closely review your income against your outgoing bills.
The higher your deductible, typically the less in premium you will pay. It’s critical to choose a deductible amount that balances your coverage needs with the amounts you can pay out of pocket and in premium.
11Does the kind of car I drive influence my Auto insurance rates?
Yes. A vehicle’s make, model, and age all have a significant impact on insurance premiums. An individual insuring a Dodge Viper will pay far more than a person who drives a Honda Civic. Likewise, in individual driving a 2002 Civic will pay lower premiums than one who drives a comparable 2017 Civic. Generally, the more a car is worth, the costlier it is to insure. Other factors can also impact insurance costs, however, including engine power, overall size, number of seats, and other factors.
12What is “full coverage?”
Full coverage is a term that describes having all of the main parts of car insurance including Bodily Injury, Property Damage, Uninsured/Underinsured Motorist, Personal Injury Protection or Medical Payments, Collision and Comprehensive. Comprehensive coverage reimburses you for things like theft, road damage (e.g., you hit a deer), weather-related events, and others. Collision provides coverage to repair any damage to your car caused by an accident, even if it's not your fault. Full coverage could also include coverages such as rental reimbursement, roadside assistance/towing, original market parts, etc.
13Am I covered if I drive someone else’s vehicle?
Generally, the insurance policy of the vehicle’s owner covers you if you drive someone else’s car with permission. In the event of an accident, your own personal auto coverage may kick in, depending on your individual coverages. However, the vehicle owner’s insurance will always provide the first, if any, line of coverage.
14Are other drivers covered if they drive my vehicle?
This depends on your individual policy and coverages. However, most policies include an allowance for other drivers who operate your vehicle with appropriate permission.
15Am I covered if I rent a car?
This depends on your individual policy and coverages. However, rental car coverage is sometimes offered with comprehensive policies
16Will my policy be cancelled if I have an accident?
Generally, no. In most cases, a single accident won’t cause your coverage to be terminated. However, if you are found criminally negligent for an accident and/or cause serious injury, loss of life and/or severe amounts of property damage, your coverage could indeed be terminated for a single accident.