FAQ

What’s needed for an auto quote?

All that is needed to get an auto policy is a VIN number and a driver’s license number. We may ask you a couple questions to make sure you get the best premium with discounts. It’s as simple as it sounds!

How do I purchase auto insurance?

Depending on your situation, all you need is a debit card, credit card or banking information. You start by just paying your down payment, which in most cases is just your first month’s premium. After this, you are covered and able to drive with assurance, knowing you’re protected!

What does auto insurance cover, and how much do I need?

Auto insurance varies based on coverage, but will cover you, your passengers, and your liability (at-fault accidents) up to your limits. You can also have full glass coverage (no deductible on glass), towing and labor, rental reimbursement if you are in a covered loss and can’t use your vehicle, and many other coverages to fit your unique needs. To find out how much coverage you need, it’s best to talk with a licensed representative at 800-701-6140, as every situation is different.

What is a deductible?

This is the portion that you pay if you have a claim. You cover the deductible and the insurance carrier covers the rest, up to the policy limit.

What is covered in an accident?

This question is best asked to your insurance agent, because it varies from accident to accident. Give us a call at 800-701-6140, and we can thoroughly answer any questions you have.

What does a homeowners' insurance policy cover?
Homeowners insurance covers a variety of things, including the building, your liability, water damage, water back-up, personal property, and so much more.
What is not covered by homeowners' insurance?
There are some things not covered, but some can be purchased on a separate policy. These include flood insurance, earthquake insurance, and service line coverage (some carriers we have will cover this).
Can I change the amount of home insurance coverage I have? If so, how?
Yes, it’s just a quick e-mail or call to your agent and you can change your personal property coverage and just about anything else you can think of coverage wise.
How can my credit score benefit me?

Most insurance companies do use your credit score in what’s called your “insurance score”. In turn, the better your credit score is, the better your insurance score will be.

What is renter's insurance?
Renters’ insurance covers tenants in a home that isn’t owned by them. Essentially, think of homeowners’ insurance without dwelling coverage. The nice thing about renters is that it’s very inexpensive to have them.
What does renters insurance cover?

Yes, it’s just a quick e-mail or call to your agent and you can change your personal property coverage and just about anything you can think of coverage wise.

Is renters' insurance required?
This question is for your landlord, but even if it’s not required, we do recommend opting for it. Not only is it inexpensive, but imagine if you did have a loss… How long would it take you to save enough to purchase everything you own in your home? Months, years, or possibly even decades.
Do I need umbrella insurance?
The rule of thumb is that your liability on your auto, home, or renters’ should be able to cover your net assets. If your net assets are above $300k-$500k, it’s strongly recommended that you look into an umbrella policy. On that same note, it’s good for anyone to have, as you don’t need to be a millionaire to be sued like one. You want to make sure you have protection in place just in case… Hey, look, we rhymed there!