Quotes and Purchasing FAQ's
1. Is there a fee for getting an auto insurance quote online?
No. Our online quotes are completely free so you can find the coverage
that is right for you.
2. What information do I need to get an online auto insurance quote?
All you need to receive a free auto insurance quote is basic
information about the vehicle you wish to cover and general information
about the drivers in the household.
3. What is a gap in auto insurance coverage?
A gap refers to a period of time when you were not covered by an auto
insurance policy. Some companies charge slightly higher premiums for
individuals who have had gaps in coverage.
4. How does a speeding ticket affect my auto insurance quote?
One or more traffic violations can significantly increase your auto
insurance quotes. In most states, tickets more than 3-5 years old are not
5. Can I switch companies before my current auto insurance policy term
You can switch companies at any time, but you must contact your insurer
and cancel your old policy if you replace it.
6. What are the benefits of getting an auto insurance quote online?
There are several benefits to receiving free online auto insurance
quotes, but the two most important are time and money. You can receive
quotes online from several different insurance companies at once, and
compare the plans to find the one that is right for you. Also, some auto
insurance companies offer discounts for policies purchased online.
7. How does the “primary use” of my car affect my auto insurance
Primary use refers to the reasons you drive your vehicle most often and
is divided into three categories: Commuting, Pleasure, and
Business/Commercial. Generally, people who drive their cars most often
have higher insurance premiums, and there may be additional surcharges if
you use your car primarily for business purposes.
8. What if there are more drivers than cars in my household?
Generally insurance companies will ask you to specify one primary
driver for each vehicle, and other drivers can be added as occasional
9. How do I compare my auto insurance quotes online?
Using an online auto insurance comparison site like this one allows you
to compare quotes and policies automatically. You will see the information
for each policy quote, along with the premium information for the
10.Should I include information on accidents that were not my fault?
For the most accurate quotes you should include information on all
accidents and claims, even if they were not your fault. Insurance
companies are required by law to make distinctions between accidents that
were your fault and those that weren't. Typically, accidents where you
were found to be at fault will increase your premium rates.
11. Why should I buy auto insurance online?
Buying auto insurance online can save you time and money. You can
compare quotes from several different companies in just minutes. Most
insurance companies also offer discounts for policies purchased online.
12. Is it safe to purchase auto insurance online?
Identity theft is a common fear these days, and we take your personal
information protection seriously. We do not sell your information to third
parties, and we use high-security encryption to keep your information
13. Who should be listed on my auto insurance policy?
14. Can I have my auto insurance payments withdrawn automatically
from my bank account?
Yes, in most cases you can arrange to have your premium payments
withdrawn directly from your bank account. You can also pay by debit or
15. What is a finance notification fee?
If your car is leased or financed, the insurance company notifies the
agency that you have purchased insurance and what your coverages are. The
finance notification fee is the insurance company's charge for this
16. What is an installment payment service fee?
If you choose to pay your insurance premium in monthly installments
this nominal service fee is added to each payment and covers the cost of
17. What is a paper documentation fee?
Most online insurance policies send you documents via email. If you
prefer to have paper documents sent to you, the paper documentation fee
covers the cost of processing and mailing those documents.
18. What is a policy fee?
Customers in some states may see a policy fee on their bill. This fee
is used to cover certain expenses associated with issuing and renewing
auto insurance policies in those states.
19. What are state-mandated fees?
Some states require additional fees for each vehicle you insure. These
fees are added to your insurance premium and paid to your state as
required by law.
20. How do I get my auto insurance documents?
You can access your account online, or you can have documents emailed
to you. There may be additional fees if you wish to have paper documents
mailed to you instead.
Auto Insurance Basic FAQ's
1. How much auto insurance coverage do I need?
By law, you are required to carry a minimum amount of liability
coverage on each vehicle you own, and the minimum coverage requirements
vary from state to state. This may not be enough to completely cover your
losses if you are involved in a serious accident, and most people choose
to purchase additional coverage. You should look at your financial
situation, driving habits, vehicles and local crime rates when deciding
the amount and types of coverage you need.
2. How can I get the most auto insurance coverage for my money?
You want to know that you're getting the best coverage for your money.
We recommend setting higher deductibles, searching for discounts, and
shopping around to compare prices and get the most insurance for your
3. What are the minimum auto insurance requirements in my state?
Minimum amount insurance coverage requirements vary widely from state
to state. You can contact the DMV in the state where you live, or check
this list of state coverage requirements.
4. Do I need special coverage if my car is financed or leased?
Most leasing agencies and finance companies require you to carry
comprehensive and collision coverages and higher liability coverages than
the required state-minimum. This is to protect their investment in the
vehicle loan or lease contract.
5. How do I get a comparison quote?
Getting a comparison quote is easy! We take your information and
provide you with policy prices from several different companies all at
once so you can find the company that's right for you.
6. How do I get insurance coverage for more than one vehicle?
Most companies will allow you to insure up to four vehicles on the same
policy. Simply enter the information for your vehicles in the online quote
form, and you may even qualify for a multi-car discount.
7. Why does it matter how long I've has insurance?
Insurance companies see individuals who have had gaps in their
insurance coverage as riskier to insure, and these individuals have higher
premium rates to cover that risk. Maintaining continuous auto insurance
coverage for a certain period of time can qualify you for a discount.
8. What qualifies me for a discount on my auto insurance quote?
Insurance companies offer many discounts, and you may qualify if you
insure more than one car, have a good driving record, pay you premium in
full, or if you rarely drive your car. You may also qualify for a discount
if you are a single parent, complete driver training, get good grades in
school, or if your car has added safety equipment or anti-theft devices
9. Is my auto insurance valid in Mexico?
No. Although your driver's license is valid in Mexico, your US auto
insurance is not. If you plan on driving your car to Mexico, you will need
to purchase Mexican Tourist auto insurance. The International Insurance
Group website offers online quotes from 5 of the highest-rated Mexican
10. Is my auto insurance valid in Canada?
Yes. In most cases, both your US driver's license and your auto
insurance policy are valid in Canada. Please check your individual policy
information for any exclusions or limitations to this coverage.
11. How will it affect my coverage if I am in an accident in another
No matter what state you are in at the time of the accident, your
insurance rates may increase after the accident. Check your policy
information for details on driving out of state.
12. Is insurance coverage available for severe weather?
Emergency Road Service coverage can come in handy if you live in an
area where your driving could be affected by the weather. You may also
consider adding comprehensive coverage to your policy to protect your
vehicle from falling objects, fire or other natural disasters.
13. Will hitting an animal with my vehicle affect my auto insurance?
Hitting an animal such as a deer or a moose could seriously damage your
vehicle, and should be reported like any other accident. You may
experience slightly higher premiums if you live in an area where this is a
14. Will I have to change my auto insurance if I move to another
Maybe. While most major insurers offer insurance in many states, you
will need to contact your insurance company directly to see if the offer
coverage in the state you are moving to.
15. Is there anything I need to do with my auto insurance if I am
deployed by the military?
To thank you for your service to your country, most insurance companies
offer special cancellation and reinstatement privileges for deployed
service-members. Please contact your auto insurance company directly to
find out what you need to do before you are deployed.
16. Is my Emergency Road Service coverage valid in other states?
Yes. In most cases, Emergency Road Service coverage protects you in any
state you are traveling in. Check your policy for any specific limitations
17. What factors do auto insurance companies use to determine rates?
There are several factors that insurance companies use to determine
auto insurance rates. These factors include your location, your age, your
driving record, your gender, and the type of vehicle you drive. In states
where it is allowed by law, insurance companies can also look at your
credit history or other consumer reports when determining your rares.
18. How do I know if I am getting the best rate?
Always shop around before purchasing auto insurance. In some states,
the difference between the highest and lowest insurance premiums could be
as much as $2,000.
19. Will my quoted rate change when I purchase my policy?
While we try to give you the most accurate quotes possible, we cannot
guarantee your final premium amount until you purchase your policy.
Providing us with the most accurate information about the drivers and
vehicles to be insured when you get your quote will allow us to provide
you with the best quotes.
FAQ's for Policyholders
1. What happens if my payment is late?
Most insurance companies offer what is called a “grace period” for
you to make a late payment. This is the period if time after your payment
is due, typically 30 days, in which you can make the payment and avoid
cancellation of your policy.
2. How can I renew my auto insurance policy?
Many insurance companies offer automatic renewal on your auto
insurance. Your company should send you a notification before your current
policy ends detailing any changes to your policy and premium amounts
should you choose to renew. You can also contact your company directly to
renew your policy.
3. What if I need to cancel my policy?
Sometimes it may be necessary to cancel your auto insurance policy
before its expiration date. Just call your insurance company's customer
service representatives, and they will walk you through the process.
4. Can I choose when my payments are due?
If you choose to pay your insurance premiums in installments, many
companies are flexible about when the payment is due. You should be able
to arrange to have your payments due at whatever time of month is most
convenient for you. Please contact your insurance company directly with
any questions you have concerning the due date of your payments.
5. What should I do if I am involved in an accident?
You should get medical attention immediately for anyone who is injured,
and contact the police right away. Get names, addresses, phone numbers and
insurance information for all people involved in the accident, but do not
discuss the details of the accident with anyone but the police. Report the
incident to your insurance company as soon as possible after the accident
to begin the claims process.
6.What should I do if my vehicle is vandalized or stolen?
If you discover that your vehicle has been vandalized or stolen,
contact the police immediately to file a report. If you have a camera
available, take photos of any damage. You need to report the incident to
your insurance company as soon as possible after contacting the police.
7. What happens if something is stolen from inside my vehicle?
Although you contact your car insurance company covers your vehicle is
vandalized or stolen, items stolen from your vehicle are covered under
your homeowners or renters insurance.
8. Who should report an auto insurance claim?
Anyone can call to report a claim, but it is preferred if the driver or
insured person who has the most information about the incident calls
directly to start the claims process.
9. How do I report a claim?
You can call your insurance company's claims department to file a claim
as soon as possible after an accident or incident. Depending on the
company you choose, you may also be able to file your claim online.
10. What types of accidents or incidents do I need to report?
You should call your insurance company if your vehicle is damaged in an
accident, vandalized or stolen. You should also report damage from natural
disasters and any other incident which may be covered by your policy.
11. Should I report damage to my car caused by a natural disaster?
Yes. Weather-related damage is usually covered under most auto
insurance policies and should be reported to your insurance company.
12. How long does it take to file an auto insurance claim?
Due to the differences in claims, the time needed to process your claim
can vary. After you have called in the initial claim report, a claims
representative will contact you to go over the rest of the claims process.
13. How do I check the status of my claim?
You can check the status of your claim by contacting the claims
representative handling your case.
14. How will filing a claim affect my auto insurance premiums?
State laws vary as to what types of incidents can affect your auto
insurance premium. Traffic violations and accidents can cause an increase
in your premiums, but whether or not you were at fault in the accident is
a major factor. Typically, these incidents can affect your premium rates
for 3-7 years, depending on the severity of the accident or incident.
15. Can I take my car to the repair facility of my choice?
Most auto insurance companies allow you to choose the repair facility
you want to work on your vehicle. Please refer to your policy for more
information, and contact the repair facility to make sure they accept your
16. Where do I take my car for a damage inspection?
In most cases, you can take your vehicle to the repair facility of your
choice for a damage inspection. You can also contact your insurance
company's customer service department if you need help choosing a repair
17. How long will it take for my vehicle to be repaired?
The severity of the damages will determine how long it takes for your
vehicle to be repaired. Your repair facility should be able to give you
the best estimate on the time it will take to finish repairing your
18. What happens if I need a rental car?
Most insurance companies offer optional Rental Car Reimbursement
coverage as a way to save you money in the event you should need a rental
car. This extra coverage doesn't cost very much to add to your policy, and
covers the expense of a rental car while your vehicle is repaired or