What can I do to lower my rates?
Several areas can lower your rates. Be sure your annual miles are correct, install alarms in your vehicle when it makes sense, raise your comprehensive and collision deductibles, and combine your auto and home policies with the same company for package credits. Above all, everyone keep their driving record clear of all citations and accidents.

What discounts do you offer to get a lower rate?
Every carrier is different. A few are: Good driver discounts, multi-car discounts, alarms credits. Check with the carrier of your choice and they will let you know.

Why would I choose a higher or lower deductible?
The higer the deductible the lower your comprehensive and collision premiums. Make sure your deductible is one you can afford at the time of a loss.

I was in accident that was not my fault. How will this affect my rate?
It should not affect your rate as long as you can provide proof that you were not at fault. This must come from the insurance company that handled the loss.

Will tickets that I receive but that did not go onto my record affect my rate?
No, only tickets appearing on your driving record affect your rate. If you went to Traffic School to clear your ticket this should not appear on your record.

Do you offer rental and towing reimbursements?
Towing and rental reimbursement are offered as options if you carry comprehensive coverage on your vehicle. Please check with the carrier of your choice to confirm their options.

Will I get a discount if I have more than one type of insurance, such as homeowners and car, through the same company?
Most companies offer multi policy discounts. Check with the carrier of your choice for confirmation.

Do I need medical coverage if I already have medical insurance?
It could provide coverage for areas that might not be covered under your medical plan, or provide coverage for individuals in your car that may not have medical coverage. The price is usually nominal for the coverage. It is worth the protection.

My ticket will drop off my record this month. Will this lower my rates?
Your rate is based on what tickets/accidents are on your record at the time of renewal. This is for every driver within the household. The charge will be deleted for this activity at your next renewal date. We suggest that you wait until the ticket drops off before shopping, if it is close.

What impact do my spouse's tickets have on our insurance rates?
The same impact as any tickets you might receive. All drivers on the policy will affect your rates.

What type of payment plans do you have?
Various carriers have plans ranging from monthly, quarterly, or electronic transfer from your checking account. Please check with the carrier of your choice to confirm their plans.

How many vehicles can be insured under one policy?
Usually companies can insure up to 4 on one policy. Please check with the carrier of your choice to confirm their plan.

Do you offer coverage for domestic partners?
It depends on the carrier. Please check with the carrier of your choice to confirm their options.

If I move out of state will I have coverage, or will I have to get a new insurance policy?
You will have coverage up to the expiration date of your policy normally. However, it is best that you find an agent and auto program in the state you are residing for the best protection due to the various state laws and regulations.

What coverage is optional?
All coverage with the exception of liability (bodily injury and property damage) is optional. We recommend you carry medical and uninsured motorist coverage. Comprehensive and Collision coverage will protect your vehicle and is mandatory if you have a loan on the car.

How do you handle claims?
There is usually an 800# available for 24 hour service directly to the insurance company. Please check with the carrier of your choice.

How long does it take to process a claim?
Please check with the carrier of your choice to confirm their process and timing.

Does the year of my car affect the amount of coverage I should choose?
Not as far as liability, however, you may want to consider whether or not carrying comprehensive and collision coverage on a vehicle over 10 years old is worth the coverage to you.

What are some alterations or modifications that may affect my insurance premium?
Please check with the carrier of your choice to confirm their filed premium rates.

If I lend my vehicle to a friend, is he/she covered?
Every carrier is different. Please check with the carrier of your choice to confirm they offer coverage for this type of exposure.