Frequently Asked
Questions
Here are answers to some of
our most frequently asked questions.
Why should I purchase automobile
insurance?
In most states automobile insurance is a legal requirement.
It is designed to protect you financially. A driver
who does not have automobile insurance coverage may
be held financially responsible for personal injuries
and or damage to property.
What is automobile insurance?
An automobile insurance policy is a contract between
an individual policyholder and an insurance company.
The policyholder pays a premium and in exchange the
insurance company insures against loss of or damage
to an automobile as prescribed by the terms of the contract.
What affects my automobile insurance
rates?
A number of factors can affect the cost of your automobile
insurance, examples of which are shown below:
- Your years of driving experience
- Your driving record
- The annual miles driven
- The year, make,and model
of your automobile
- The purpose for which the
vehicle is used.
- The location where your
vehicle is garaged
Can I switch to another insurance
company even though I am already insured by another
automobile insurance company?
Yes. You can switch automobile insurance companies at
any time. Your current insurance company should refund
the unused portion of your premium.
If I switch from my current automobile
insurance policy, when will my new policy become effective?
Once you qualify and have paid the initial down payment
your coverage may begin. You can process your application
within 10 minutes by visiting one of our many neighborhood
independent insurance sales centers.
What type of payment plans do your
companies offer?
You can pay your premium in full or through a monthly
payment plan depending on the length of coverage and
down payment you select.
We accept the following:
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