Frequently Asked Questions

Find answers to common questions about auto insurance coverage, claims, pricing, and our services. Still have questions? Our support team is ready to help.

Coverage & Protection

Auto Insurance Coverage

What types of auto insurance coverage do you offer? +
We offer comprehensive coverage including liability insurance, collision protection, comprehensive coverage for non-collision damages, uninsured motorist coverage, medical payments coverage, and personal injury protection. Each policy can be customized based on your vehicle type and driving needs.
What is the difference between comprehensive and collision coverage? +
Collision coverage pays for damage to your vehicle from accidents with other cars or objects like guardrails. Comprehensive coverage protects against non-collision events such as theft, vandalism, fire, weather damage, and animal strikes. We recommend both for complete protection.
How much liability coverage do I need? +
While state minimums vary, we recommend higher liability limits to protect your assets. A good baseline is 100/300/100 coverage, meaning 100k per person for bodily injury, 300k per accident for bodily injury, and 100k for property damage. Our agents can help determine the right amount based on your financial situation.
Does my insurance cover rental cars? +
Most of our policies extend your coverage to rental vehicles within the same country. However, rental car companies may require additional coverage. Check your policy details or add rental reimbursement coverage to cover rental expenses while your vehicle is being repaired after a covered claim.
What is uninsured motorist coverage? +
Uninsured motorist coverage protects you if you're hit by a driver without insurance or a hit-and-run driver. This coverage pays for your medical expenses, lost wages, and vehicle damage when the at-fault driver cannot. It's highly recommended since many drivers operate vehicles without proper insurance.
Are modifications to my vehicle covered? +
Standard policies cover factory-installed equipment. Custom modifications, aftermarket parts, or performance upgrades require additional coverage. Inform us about any modifications so we can add specialized coverage to protect these investments in case of damage or theft.

Pricing & Savings

Rates and Discounts

What factors affect my auto insurance rate? +
Your rate depends on your driving record, age, location, vehicle type, coverage level, annual mileage, credit score, and claims history. Safer drivers with newer vehicles in low-risk areas typically receive better rates. We analyze all factors to find you the most competitive pricing available.
What discounts are available? +
We offer safe driver discounts, multi-vehicle discounts, bundling discounts when combining policies, good student discounts, defensive driving course discounts, low mileage discounts, and eco-friendly vehicle discounts for hybrids and electric cars. Ask your agent about all available discounts when getting your quote.
Can I get a discount for paying in full? +
Yes, we offer a discount when you pay your annual premium in full instead of monthly installments. This eliminates processing fees and can save you up to 10% on your total premium. We also offer flexible payment plans if monthly payments work better for your budget.
How can I lower my insurance costs? +
Maintain a clean driving record, increase your deductible, bundle multiple policies, take a defensive driving course, install anti-theft devices, reduce annual mileage, and review your coverage annually to remove unnecessary add-ons. Our agents provide personalized recommendations to optimize your coverage while reducing costs.
Does my rate increase after an accident? +
At-fault accidents may result in rate increases at renewal. However, we offer accident forgiveness programs where your first at-fault accident doesn't affect your rate. Minor claims may have minimal impact, and safe driving over time helps reduce rates back to previous levels.
Are there discounts for new drivers? +
New drivers can qualify for good student discounts if they maintain certain grades, completion of driver education courses, and being added to a parent's policy often costs less than getting separate coverage. We also reward safe driving habits through telematics programs that monitor driving behavior.

Claims & Support

Filing and Managing Claims

How do I file a claim after an accident? +
Call our 24/7 claims hotline immediately after ensuring everyone's safety. You can also file through our mobile app or website by providing accident details, photos of damage, police report information, and contact information for all parties involved. An adjuster will be assigned within hours to start processing your claim.
How long does the claims process take? +
Simple claims typically process within 3-5 business days. Complex cases involving multiple parties or disputed liability may take longer. Your dedicated adjuster keeps you updated throughout the process and works to resolve your claim as quickly as possible while ensuring proper investigation and fair settlement.
Will filing a claim increase my rates? +
Not-at-fault claims typically don't affect your rates. At-fault claims may result in increases at renewal, but accident forgiveness programs can prevent rate hikes for your first accident. Small claims may cost less than the rate increase, so discuss with your agent before filing to make an informed decision.
Can I choose my own repair shop? +
Yes, you have the right to choose any licensed repair facility. We maintain a network of certified shops that guarantee quality work and streamlined claims processing, but you're never required to use them. If you prefer a specific mechanic, we'll work with them to ensure proper repairs and fair pricing.
What should I do immediately after an accident? +
First, check for injuries and call emergency services if needed. Move vehicles to safety if possible. Exchange information with other drivers including names, phone numbers, insurance details, and license plate numbers. Take photos of damage and the accident scene. File a police report and contact us within 24 hours to start your claim.
Does your insurance provide roadside assistance? +
Roadside assistance is available as an optional add-on covering towing, flat tire changes, jump starts, lockout service, and fuel delivery. This affordable coverage provides peace of mind for unexpected breakdowns and is available 24/7 anywhere in the country. Add it to your policy for comprehensive protection.

Policy Management

Managing Your Policy

How do I update my policy information? +
You can update your policy through our online customer portal, mobile app, or by contacting your agent directly. Common updates include address changes, adding or removing vehicles, adjusting coverage levels, and updating driver information. Most changes take effect immediately, though some may require underwriting review.
Can I modify my coverage anytime? +
Yes, you can adjust coverage levels, add or remove optional coverages, change deductibles, or modify policy limits at any time. Changes typically take effect within 24 hours. Your premium will be adjusted proportionally based on the remaining policy period, either as a refund or additional charge depending on the changes made.
How do I add a new vehicle to my policy? +
Contact us within 30 days of purchasing a new vehicle to add it to your policy. You'll need the VIN, make, model, year, and purchase date. Your existing coverage automatically extends to new vehicles for a grace period, but formal addition ensures proper coverage and often qualifies for multi-vehicle discounts.
What happens if I miss a payment? +
We send reminders before your payment due date. If payment is missed, you typically have a grace period before cancellation. Late fees may apply. Contact us immediately if you're having trouble making payments so we can discuss payment plan options or adjust your coverage to fit your budget without losing protection.
How do I cancel my policy? +
Contact your agent or customer service to request cancellation. You'll need to provide written notice and the effective date. If you're switching providers, we recommend starting new coverage before canceling to avoid gaps. You may receive a prorated refund for unused premium depending on your payment method and policy terms.
Do you offer paperless billing and policy documents? +
Yes, we encourage paperless options through our customer portal and mobile app. You can receive email notifications for bills, access digital policy documents, view payment history, and manage all aspects of your policy electronically. This helps reduce environmental impact while giving you 24/7 access to your insurance information.
What documentation do I need to get a quote? +
For accurate quotes, have your driver's license number, vehicle identification number, current insurance information, and driving history ready. We'll ask about annual mileage, vehicle usage, and desired coverage levels. The more accurate information you provide, the more precise your quote will be, with no surprises when finalizing your policy.
Is my personal information secure? +
We use bank-level encryption to protect your personal and financial information. Our systems undergo regular security audits, and we never share your data with third parties without your consent. All employees receive training on data privacy, and our mobile app and website use secure connections to safeguard your information.

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