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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 considered.

5. Can I switch companies before my current auto insurance policy term ends?

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 quote?

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 drivers.

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 different policies.

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 safe.

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 credit card.

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 service.

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 processing.

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 money.

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 installed.

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 insurance companies.

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 state?

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 common occurrence.

14. Will I have to change my auto insurance if I move to another state?

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 or exclusions.

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 insurance first.

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 facility.

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 vehicle.

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 replaced.

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