Frequently Asked Questions - All FAQs
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After filling out our simple form, you may receive quotes via phone or email from local agents in your area who represent the best insurance carriers nationwide. The agents can answer any questions you may have about coverage, and assist you in finding an insurance policy that will save you money while meeting your needs. Additionally, many carriers now provide online quoting capabilities for those users who prefer to self service and our technology matches users through the information they provide to the best suited carriers to meet their needs.
Our form process is quick and easy. It takes less than 2 minutes to fill out our simple form. And you will begin receiving quotes from local agents usually within minutes of your request. Additionally requesting quotes from matched online carriers takes only a small additional investment of time for each one and we make sure you are investing that time on the best carriers possible. These carriers typically provide a quote as well as the end of each of their online forms.
Contact from local agents typically begins within minutes of your submission and may continue for up to 24 hours. Filling out additional online requests through carriers typically produces a result within minutes for each or provides further contact information to proceed via phone or email with them as well.
There are a number of ways to get car insurance. It is important to understand that there are well-established insurance companies that offer excellent car insurance coverage, and there are companies that were built solely to sell car insurance and make money. Some auto insurance companies gain customers through advertising and others through word-of-mouth and excellent service.
This is a common question. If you make sure you have your own vehicle covered, do you need to get the special coverage offered at the rental counter if you go on vacation and get a rental car?
Most insurance companies will not issue or maintain insurance for someone who has a suspended or revoked driver’s license. If you need to get from home to work while your license is suspended, you are not out of luck.
Insurance, by definition, is a contract between you and the insurance company. The contract stipulates that as long as you pay the premium, the insurance company agrees to pay for your covered losses if you experience an accident, theft or vandalism, or your car is damaged by certain causes. The amount you receive in compensation is based on several factors, including your deductible and the limit you choose for your policy.
There are several categories of auto insurance, each of which covers a different aspect of your risk as a driver. Here is a brief overview of these types of coverage:
Car insurance helps you to recover from damage, injuries and expenses related to a collision or other incident. It is not designed for you to come out ahead financially, but it is designed to keep you from suffering major financial hardship due to an accident, whether it’s your fault or not.
When you get behind the wheel, you take a risk. You may attempt to be the best possible driver, but you also have to trust that everyone else on the road is driving well and paying attention, too. Auto insurance provides a safety net when drivers make mistakes.
Forty-seven states require vehicles to have some level of insurance coverage before they can be on the road. Failure to have insurance can mean a fine and/or jail time in these states, not to mention suspension or revocation of your driver’s license. In most of those states, the minimum required coverage is liability insurance to cover damage and injuries you may cause, though a handful of states require additional coverage, such as collision and comprehensive.
Your vehicle just might be the most expensive possession you have other than your home. However, your auto insurance won't necessarily be costly.
If you are self-employed and use your personal vehicle for business, you can take a tax deduction for your car insurance. For example, an independent sales professional who travels for work can take the deduction. However, only the actual mileage used for business travel is deductible. In other words, if you drive a vehicle 15,000 miles for business and 15,000 for personal use (a total of 30,000 miles annually) your deduction will cover half of your overall use.
Auto insurance is a contract, and as with many contracts, it can be canceled or voided by either party. You can drop the contract by changing to another company; the following are circumstances in which an insurance company can drop you:
There are a few reasons that your claim can be denied, including:
Credit scores and credit reports don’t always tell the full story about a person, but they do indicate your ability to pay your bills.
Car insurance is not an application for credit, so while insurance companies check your credit to determine your responsibility and financial security, they are not extending credit. A credit check for a car insurance quote is called a “soft pull” and it does not affect your credit rating.
An insurance company may check your driving record when you are looking for a new policy, renewing your existing policy or modifying the policy by adding a new driver or additional vehicle.
When you make an insurance claim or begin the process to switch insurance companies, information about your claims history is placed into a national loss-underwriting database. That information can be accessed by all insurance companies that are considering insuring you.
If your car is stolen, a number of things need to happen for you to be compensated for your loss. First, you will need to file a police report and wait while there is an attempt at recovery. If your car is not recovered, you can file a claim with your insurance company if you have comprehensive coverage.