Frequently Asked Questions

Auto insurance usually includes several types of coverage:

• Liability (covers injuries and property damage to others if you're at fault)
• Collision (pays for damage to your vehicle from an accident)
• Comprehensive (covers damage from non-collision events like theft, fire, or hail)
• Uninsured/Underinsured Motorist
• Medical Payments or PIP (Personal Injury Protection)

If you're unsure what your policy includes, reach out to our office directly-we're here to help clarify your coverage and make sure you're properly protected.

Yes. Most states require at least liability coverage. Depending on your location and loan/lease status, other types of coverage may also be mandatory. Not sure what your state or lender requires? Contact us directly for guidance-we'll walk you through what you need based on your situation.

Your premium is influenced by many factors, including:

• Your driving record
• Age and gender
• Type of vehicle
• Location
• Coverage levels and deductibles
• Credit score (in some states)

Let us help you understand what's driving your rate. Reach out to our agency, not just your carrier, for a personalized review.

If your policy includes rental reimbursement coverage, it may cover a rental car if your vehicle is being repaired due to a covered claim. For rental cars during travel, your policy may extend-but not always.

Before renting, call us directly to check your coverage so you don't pay for unnecessary insurance at the counter.

Here's a quick checklist:

1. Ensure safety and call 911 if needed
2. Exchange information with the other driver
3. Take photos of damage
4. File a police report if necessary
5. Contact us immediately to start the claims process

We'll help you every step of the way-don't wait to call your agent or carrier first; reach out to our office so we can advocate for you.

• Comprehensive covers damage from things like theft, weather, animals, or vandalism.
• Collision covers damage to your vehicle from hitting another car or object.

If you're unsure whether you need both, contact our team-we'll help you weigh the options based on your car's value and driving habits.

Yes. Some common ways include:

• Bundling your auto and home insurance
• Increasing your deductible
• Maintaining a clean driving record
• Using telematics or safe-driver programs
• Removing unnecessary coverage

Reach out to us-we'll do a coverage review and make sure you're not overpaying.

Driving without insurance is illegal in most states and can result in fines, license suspension, vehicle impoundment, and more. In an accident, you could also be held personally liable for damages.

If your coverage has lapsed or you're unsure about your policy status, call us right away so we can get you back on track.

Generally, insurance follows the vehicle, not the driver. So if someone else has your permission to drive your car, they may be covered under your policy. But there are exceptions.

To avoid gaps in coverage or surprises, check with us directly before letting someone borrow your vehicle.

You can add or remove vehicles, update drivers, change your address, or adjust your coverage anytime. But don't wait on hold with a call center-contact us directly so we can ensure the changes are handled correctly and quickly.