What does comprehensive mean?

The penalty for driving without insurance varies from state to state. In some states, your vehicle tag can be seized and your car impounded. In addition, some states impose heavy fines for those who drive without auto insurance. Limited sates fine a fee of $150 to $500 for driving without insurance.   Back to top

How much insurance do I really need?

There are ways to make sure you have the right protection - without having more than you need. First, you need to estimate how much your house would cost to completely rebuild it. Next, we recommend you consider and also purchase "inflation" protection, which adjusts your limits annually to reflect any increases in value due to inflation. Back to top

What is a deductible?

It's the amount of the loss you pay, which is deducted from your total claim. In the event of a covered loss, for instance, if your home policy has a $250 deductible, you must pay the first $250 to repair or replace the damage. If repairs only cost $200, you pay for everything. But if covered repairs cost $1,800, you pay $250 and your insurance company pays the rest. Back to top

What goes into determining the cost of my insurance?

There are two significant factors in determining your insurance costs: The Risk of Loss Associated With Where You Live - Insurance companies look at weather patterns in your area, how quickly a fire department can get to your home, how close the nearest hydrant is to your property, as well as loss statistics in your area. As an example, if you live in a coastal area open to hurricanes or in an area hit by tornadoes, your insurance may cost more because of higher risks due to wind damage. The Home You Live In - Factors that impact your insurance costs are the age of your home, the type of construction used to build it, and the amount of insurance protection
you need. Back to top

How much will automobile insurance cost me?

Premiums are determined in part by your driving record, the car you drive, the risk of loss associated with where you live, and how much you drive. Insurance fraud, inflation, and the rising costs of medical care, auto parts and labor also have to be taken into
account.  Back to top

Do I Need Collision Protection On My Automobile?

Many people wonder if they should always purchase Collision protection. In order to make the decision, you need to know the current value of your auto and the cost of coverage. Generally speaking, vehicles decline in value as they age. Only you can decide if collision coverage is necessary after considering whether the cost of insurance is more economical than the cost of repairing or replacing the car at your own expense.  Back to top


What is liability insurance?

Liability insurance covers losses that result when another person is accidentally injured or their property is damaged and you’re legally responsible. Liability often includes coverage for defense costs in a liability lawsuit .  Back to top

What are the penalties for driving without insurance?

The penalty for driving without insurance varies from state to state. In some states, your vehicle tag can be seized and your car impounded. In addition, some states impose heavy fines for those who drive without auto insurance. Limited sates fine a fee of $150 to $500 for driving without insurance.  Back to top

What are the cheapest cars to insure for a 16 year old girl or boy?

In most cases, the less expensive the car is to buy, the less expensive it is to insure. In addition, domestic vehicles are usually less expensive to insure as are 4 door cars, 4 cylinder motors and minivans. According to leading car retailers, these cost the least to insure in the first 5 years of ownership: Chrysler PT Cruiser 4dr Wagon, GMC Safari SLE AWD 3dr Minivan, Dodge Caravan SE 4dr Minivan, Saturn ION 1 4dr Sedan, Pontiac Sunfire 2dr Coupe, Jeep Liberty Sport 4WD 4dr SUV, Saturn L300 1 4dr Sedan, Volvo S40 4dr Sedan, Saab 38600 Linear 2.3t 4dr SportWagon, Buick Century Special Edition 4dr Sedan.  Back to top

I just got a speeding ticket. How much will it affect my auto insurance premium?

If it was your first ticket, you might not see any change in your rates. Some states have laws governing when and why auto insurers can change policyholders' premiums; often, insurers are not allowed to raise your rates after just one speeding ticket or other
citation.  Back to top

 

PLEASE CALL US FOR A QUICK QUOTE TOLL FREE AT 866 247 3132     OR

Contact us now to find out how you can
SAVE with your enrollment
Get Started Now!So that we can serve you better, just fill in your information below, hit the “SEND” button, and we will give you a call to discuss the plans that might work for you.

First Name: Last Name:
Address 1: Address 2:
City: State:
Zip: Email:
    Phone:
Message: