Frequently Asked Questions

Most quotes take less than ten minutes. Just provide your vehicle details, your driver's license info, and a bit about your driving history. We will handle the rest and get back to you with a rate right away - no long forms or confusing paperwork.

Yes, bundling is one of the easiest ways to save. Pairing your auto policy with a home or renters policy often brings down the total cost. Ask us about our bundling options when you request a quote.

First, make sure everyone is safe and call 911 if needed. Then exchange information with the other driver and take photos of the scene. After that, contact us as soon as possible so we can start your claim and walk you through the next steps.

You can file a claim by calling our office directly or using the online portal on our website. We will ask for details about the incident, photos if you have them, and any relevant documentation. Once submitted, a claims specialist will reach out within 24 hours to guide you through the process.

Your rate is based on several factors including your driving history, age, vehicle type, location, coverage level, and credit score. Safe drivers with clean records typically qualify for lower rates. We also offer discounts for bundling policies, completing defensive driving courses, and maintaining continuous coverage.

Yes, we provide coverage for teen drivers. Adding a teenager to your policy typically increases your premium, but we offer student discounts for good grades and safe driver programs that can help lower the cost. We also recommend higher liability limits when insuring young drivers.

Collision coverage pays for damage to your vehicle from an accident with another car or object. Comprehensive coverage protects against non-collision events like theft, vandalism, fire, hail, or hitting an animal. Both coverages have a deductible you choose when setting up your policy.

Yes, you can adjust your coverage anytime by contacting our office. Whether you want to add a vehicle, increase your limits, or remove optional coverages, we make the process quick and simple. Changes typically take effect immediately or on the date you specify.

We offer a variety of discounts including multi-policy bundles, safe driver rewards, good student discounts, anti-theft device credits, low mileage discounts, and military or first responder discounts. During your quote, we automatically check which discounts you qualify for so you get the best rate possible.

Roadside assistance is an optional add-on that covers towing, jump starts, flat tire changes, lockout service, and fuel delivery. It costs just a few dollars per month and provides peace of mind if you break down on the road. You can add it to your policy at any time.

If your policy lapses due to non-payment or cancellation, you lose coverage immediately and may face higher rates when you reapply. Most states require continuous coverage, and a lapse can result in fines or license suspension. Contact us if you are having trouble with payments - we can help find a solution before your coverage ends.

Yes, we work with drivers who have accidents, tickets, or lapses in coverage. While rates may be higher for high-risk drivers, we help you find affordable options and work toward lowering your premium over time by maintaining a clean driving record and completing approved safety courses.

Usage-based insurance uses a device or mobile app to track your driving habits like speed, braking, mileage, and time of day. Safe drivers can earn discounts based on their actual behavior behind the wheel. It is a great option if you drive infrequently or maintain safe driving practices.

If your vehicle is declared a total loss, your insurance will pay the actual cash value of the car minus your deductible. We help you through the settlement process, provide documentation for your loan or lease company, and assist with finding replacement transportation if you have rental coverage.

Gap insurance covers the difference between what you owe on your car loan and the actual cash value if your vehicle is totaled. This is especially important for new cars that depreciate quickly or if you made a small down payment. If you lease or finance a vehicle, gap coverage can protect you from owing thousands of dollars after a total loss.

We accept monthly, quarterly, semi-annual, and annual payment plans. You can pay by credit card, debit card, bank transfer, or automatic withdrawal. Paying in full upfront often saves you money by avoiding installment fees. We also offer flexible payment dates to match your budget and paycheck schedule.

You will need your driver's license number, vehicle identification number (VIN), current odometer reading, and information about any other drivers in your household. If you have prior insurance, bring your current policy declarations page. Having your driving history and any recent tickets or accidents on hand helps us provide the most accurate quote.

Yes, your auto insurance policy covers you anywhere in the United States. If you are moving to a different state permanently, you will need to update your policy to meet that state's requirements. For temporary travel or vacations, your existing coverage follows you without any changes needed.

Simply call our office or log into your online account to add or remove a vehicle. When adding a car, have the VIN, make, model, and purchase date ready. We will adjust your premium immediately and send you updated policy documents. Removing a vehicle reduces your premium and can be done anytime.

An SR-22 is a certificate of financial responsibility required by some states after certain violations like DUI, driving without insurance, or multiple tickets. We file the SR-22 form with your state on your behalf when you purchase a policy. The filing fee is minimal, but your insurance rates may be higher until the SR-22 requirement period ends.

While every state has minimum liability requirements, we recommend carrying higher limits to protect your assets. A good starting point is 100/300/100 (100k per person, 300k per accident for bodily injury, 100k for property damage). If you own a home or have significant savings, consider even higher limits or an umbrella policy for additional protection.

Yes, you can cancel your policy at any time. If you paid in advance, you will receive a prorated refund for the unused portion of your policy term minus any cancellation fees. We recommend having new coverage in place before canceling to avoid a lapse in coverage, which can lead to higher rates in the future.