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FAQ
How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
Is it better to keep my auto insurance with the same company as my homeowners policy?
Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs.
Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things?
Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver.
What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault?
To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered.
I recently purchased a new car. When I applied for the loan, I was told I would have to purchase comprehensive and collision on the new car, as well as what's required by law. Is this legal?
It is not unusual for a lender to require comprehensive and collision on a new vehicle. Your new car serves as the lender's collateral, so it is in the lender's interest to have it financially protected in case of accidents.
I recently moved from a small town to a major city. I kept the same insurance company for my car and home, but my premiums went up. Shouldn't these rates stay the same?
Generally speaking, when moving to a more populous area, you can expect your auto insurance rates to rise somewhat because there are more automobiles on the road, and the likelihood of accidents goes up. The cost of homeowner's insurance, on the other hand, could possibly go down slightly because in a more populated area, your home may be closer to firefighting services. However, this disadvantage may be offset by higher home values in the bigger city.
Why are car insurance rates higher for young men than for young women?
Young male drivers generally do pay more than young females for auto insurance. Insurance companies use statistical evidence to determine which groups, such as young male drivers are most likely to have accidents and file claims. Statistics show that drivers under age 25, particularly males, are much more likely to be involved in accidents: 15% of all licensed drivers are under age 25, yet this group accounts for 29% of all accidents, and about 26% of all fatal accidents. The accident rate is much lower for young female drivers, so they are charged less for auto coverage.
I work part-time delivering pizza. Does my regular auto insurance cover me while I am working?
Most personal auto policies exclude coverage when the automobile is used to carry property for a fee. Some companies have denied claims based on this exclusion. Before agreeing to use your car for business purposes, find out what your insurance covers.
How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
Is it better to keep my auto insurance with the same company as my homeowners policy?
Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs.
Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things?
Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver.
What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault?
To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered.
I recently purchased a new car. When I applied for the loan, I was told I would have to purchase comprehensive and collision on the new car, as well as what's required by law. Is this legal?
It is not unusual for a lender to require comprehensive and collision on a new vehicle. Your new car serves as the lender's collateral, so it is in the lender's interest to have it financially protected in case of accidents.
I recently moved from a small town to a major city. I kept the same insurance company for my car and home, but my premiums went up. Shouldn't these rates stay the same?
Generally speaking, when moving to a more populous area, you can expect your auto insurance rates to rise somewhat because there are more automobiles on the road, and the likelihood of accidents goes up. The cost of homeowner's insurance, on the other hand, could possibly go down slightly because in a more populated area, your home may be closer to firefighting services. However, this disadvantage may be offset by higher home values in the bigger city.
Why are car insurance rates higher for young men than for young women?
Young male drivers generally do pay more than young females for auto insurance. Insurance companies use statistical evidence to determine which groups, such as young male drivers are most likely to have accidents and file claims. Statistics show that drivers under age 25, particularly males, are much more likely to be involved in accidents: 15% of all licensed drivers are under age 25, yet this group accounts for 29% of all accidents, and about 26% of all fatal accidents. The accident rate is much lower for young female drivers, so they are charged less for auto coverage.
I work part-time delivering pizza. Does my regular auto insurance cover me while I am working?
Most personal auto policies exclude coverage when the automobile is used to carry property for a fee. Some companies have denied claims based on this exclusion. Before agreeing to use your car for business purposes, find out what your insurance covers.