Faq’s

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.