Frequently Asked Questions

  • Is auto insurance mandatory?

    Yes, auto insurance is mandatory for drivers in all 50 states.

  • What is a deductible?

    A deductible is the amount that the insured party is responsible for prior to insurance kicking in. For example, if you have a $3,000 deductible and owe $5,000 as a result of an accident, you have to pay the first $3,000 (which is the deductible) out of pocket insurance will pay the remaining $2,000.

  • What kinds of insurance are available?

    The different types of insurance are: Property Damage Liability, Collision, Comprehensive, Bodily Liability, Uninsured or Underinsured Motorist Coverage.

  • What factors affect my insurance rate?

    There are many factors that can impact your policy, including: criminal history, credit score, vehicle type, driving history, etc.

  • Am I eligible for insurance if I have a DUI on my record?

    Yes, there are different options available for people with DUI on their record. Typically, they would need SR-22 coverage. Inquire about the best options that would apply in your case.

  • Does my credit score affect my insurance rates?

    Your credit score will have an effect on insurance rates. High credit scores will usually translate to lower insurance premiums.