Here are answers to common insurance questions in general. To find more answers to questions visit our specific types of insurance pages to find F.A.Q. for each.
I lost my insurance card, what should I do?
Contact us and we'll get you a new card quickly.
How do I know I am getting the best coverage and rate?
We suggest that you review your insurance annually to ensure you are getting the best rates and that the coverage is still right for your need. Request a review any time here.
What is a deductible?
The amount of money you agree to pay out-of-pocket from an accident before the insurance company pays. For example, if you have coverage with a $250 deductible and your new car is stolen, the insurance company pays for the value of your car minus the $250 deductible. Going with a higher deductible lowers your premium, but increases what you owe out-of-pocket.
How much coverage do I need?
Coverage is based on your individual situation.
- Pick a deductible you can pay out-of-pocket in case of an accident.
- How much in personal assets do you need to protect? You may need liability limits higher than your state requires.
Why do many auto insurers use credit history to set rates?
Most insurers have found that they can use insurance scores, calculated from your credit history, as a way to offer consumers lower rates since they are useful in predicting an individual’s likelihood of having an accident.
Does my insurance cover me as part of my job?
It depends on the kind of job you have. It is possible that you need a commercial policy on top of a personal policy to insure your job or small business. Most companies will not cover you if you use your vehicle for delivery such as a Pizza Delivery Driver.