Frequently Asked Questions

We offer comprehensive auto insurance coverage options to meet every driver's needs. Our plans include liability coverage that protects you if you're at fault in an accident, collision coverage for damage to your vehicle, comprehensive coverage for non-collision incidents like theft or weather damage, and uninsured motorist protection.

Additionally, we provide optional coverage like roadside assistance, rental car reimbursement, and gap insurance to ensure complete peace of mind on the road.

The right amount of coverage depends on several factors including your vehicle's value, your financial situation, and state requirements. We recommend having enough liability coverage to protect your assets in case of a serious accident.

Our insurance advisors can help you assess your needs and find the perfect balance between comprehensive protection and affordable premiums. We'll walk you through each coverage option so you can make an informed decision.

Most of our standard policies extend your coverage to rental vehicles you drive within the country. However, coverage levels and specifics can vary based on your policy type.

If you frequently rent vehicles, we also offer rental car reimbursement coverage that pays for a rental while your car is being repaired after a covered claim. Contact us to verify your specific coverage details before renting.

Generally, your auto insurance follows your vehicle, not the driver. This means if you give someone permission to drive your car, your policy typically covers them. However, there are important exceptions and limitations to understand.

Coverage may be affected if the person driving doesn't have a valid license, uses your vehicle regularly but isn't listed on your policy, or causes an accident while using your car for commercial purposes. We recommend adding regular drivers to your policy to ensure full protection.

Filing a claim with us is simple and straightforward. You can start a claim by calling our claims hotline, submitting through our online portal, or using our mobile interface. We're available around the clock to assist you.

When filing, have your policy number, details about the incident, photos if possible, and information about any other parties involved. Our claims team will guide you through each step and keep you informed throughout the process.

We pride ourselves on fast claim processing. Simple claims are typically processed within 48 hours of receiving all necessary documentation. More complex claims involving multiple parties or extensive damage may take slightly longer.

Our team works diligently to review your claim, assess damages, and get you the funds you need as quickly as possible. You'll receive regular updates on your claim status throughout the entire process.

Not all claims affect your rates. Claims where you're not at fault, comprehensive claims for incidents like theft or weather damage, and claims under certain thresholds may not impact your premiums.

However, at-fault accidents and multiple claims within a short period can lead to rate increases. We offer accident forgiveness programs that may protect your rates after your first at-fault accident. Contact us to learn more about protecting your premium.

First, ensure everyone's safety and call emergency services if anyone is injured. Move vehicles to a safe location if possible, exchange information with other drivers, take photos of the scene and damage, and gather contact information from witnesses.

Do not admit fault at the scene. Contact us as soon as possible to report the accident. Our claims team is available around the clock to guide you through the next steps and start the claims process immediately.

We accept multiple convenient payment methods including credit cards, debit cards, electronic bank transfers, automatic monthly payments from your checking account, and online payments through our secure portal.

Setting up automatic payments is the easiest way to ensure your coverage never lapses. You can manage all your payment preferences through your online account or by contacting our customer service team.

Yes, we offer flexible payment plans to fit your budget. You can choose to pay your premium annually, semi-annually, quarterly, or monthly. Switching your payment schedule is easy and can be done through your online account or by calling us.

Keep in mind that paying annually often comes with a discount, while monthly payments may include a small installment fee. Our team can help you find the payment plan that works best for your financial situation.

If you miss a payment, we'll send you a notice with a grace period to submit payment before any action is taken. We understand that life happens and will work with you to keep your coverage active.

However, if payment isn't received within the grace period, your policy may be canceled. Contact us immediately if you're having trouble making a payment so we can discuss options to maintain your coverage.

There are several ways to reduce your premium. Maintaining a clean driving record, increasing your deductible, bundling multiple policies, taking defensive driving courses, and installing safety features in your vehicle can all lead to discounts.

We also offer discounts for good students, safe drivers, and customers who pay their premium in full annually. Our team can review your policy to identify all available discounts you may qualify for.

You can update your policy information easily through your online account, by calling our customer service team, or by visiting one of our offices. Common updates include address changes, adding or removing vehicles, and updating driver information.

It's important to keep your policy information current to ensure proper coverage. Many updates can be made instantly online, while others may require verification or documentation.

Yes, you can cancel your policy at any time. If you cancel mid-term, you'll typically receive a prorated refund for the unused portion of your premium, minus any applicable cancellation fees.

However, having a lapse in coverage can lead to higher rates when you get insurance again. Before canceling, make sure you have new coverage in place to avoid any gaps in protection.

A deductible is the amount you pay out of pocket before your insurance coverage kicks in for a claim. For example, if you have a five hundred dollar deductible and file a claim for two thousand dollars in damages, you pay the first five hundred dollars and we cover the remaining fifteen hundred.

Choosing a higher deductible typically lowers your premium, while a lower deductible means higher premiums but less out-of-pocket cost when you file a claim. We can help you find the deductible level that balances affordability with protection.

Absolutely! We reward safe driving with significant discounts. Drivers with clean records, no at-fault accidents, and no moving violations can qualify for our safe driver discount. The longer you maintain a clean record, the more you save.

We also offer accident forgiveness programs that protect your rates even after your first at-fault accident. Ask us about all the ways we reward responsible driving behavior.