Frequently Asked Questions

What about my other insurance? Is it hard to cancel my current insurance and will I be penalized?

No, we’ll help you cancel your current policy and normally you’ll be refunded for any unused time you’ve been insured

Where is my insurance policy? I didn’t receive it in the mail.

Policies sometimes take up to 2 weeks to arrive at your home. Contact us if you haven’t received it yet.

Can I make a payment over the phone? Or in person?

We provide several ways for you to make payments – phone, in-person and even online with most companies.

How long before I am covered?

For most providers we can cover you the same day.

Is there a discount if I pay in full each year?

Some companies do offer a pay-in-full discount. Call us to find out if yours is one of them and how much you can save.

Do I save money if I have multiple lines with one company?

Yes! Not only do you get the convenience of having your insurance in one place, it can save you some serious cash, too!

What does my credit score have to do with my insurance?

 The insurance company uses information like payment history, length of credit history, bankruptcy, collections and more to develop a score.  This helps them more accurately predict claims and if you’ll pay your premium on time for example.  If your score improves, we can reevaluate your score and potentially get you a better rate.


I am thinking about buying a new car. How do I find out how much it will change my insurance?

Just give us a call at 800-516-3322, we can give you a quote right over the phone.

I have a teenager who will start driving soon. How much is that going to cost me? Are there any ways to save?

Adding a teenage driver can have a major impact on your premium. But working with an independent agent insures you have all the discounts you qualify for and multiple companies are shopped to find the best rate and coverage

What if I have a claim? Who will help? Who do I call?

You can call your auto insurance company 24/7 or call us! We will guide you through the process.

Are there discounts available for auto policies?

Yes! Good driver, accident free, good student, pay in full, low mileage, homeowner and many more.

Am I covered if I rent a car?

In most cases yes, your personal auto policy extends to a rental car, but there may be some limitations, call us for details.

What does full-coverage include?

To most people this means you have comprehensive and collision coverage on your policy, but keep in mind there are many other optional coverages to consider.

Can I get a Good Student Discount for my teen driver?

Yes! Most companies offer this discount for students that have a 3.0 or B or better average.

What factors go into determining my auto insurance price?

Drivers, credit, vehicle type, vehicle usage, claims history, driving history, coverage, location, deductible, coverages

I have an in home business – does my homeowners policy cover my business?

Yes, but it’s limited…your policy may need a special endorsement

What if I have a claim? Who will help? Who do I call?

Call us! We will guide you through the process.

Are there discounts available for homeowners policies?

Yes! Claim free, alarm system, newer roof, account credit and many more!

What factors go into determining my home insurance price?

Replacement value of your home, credit, claims history, location, when it was built, roof/hvac updates, home features, deductible, coverages.





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