Frequently Asked Questions

Your premium is calculated based on several factors including your driving record, age, location, vehicle type, annual mileage, coverage levels, and deductible choices. We also consider your credit history (where permitted by law) as statistical data shows a correlation between credit management and insurance risk. Our goal is to find you the most competitive rate while ensuring you have adequate coverage for your specific situation.

Liability coverage only pays for damages you cause to others in an accident, including property damage and bodily injury. Full coverage typically includes liability plus collision and comprehensive coverage, which protect your own vehicle. Collision covers damage from accidents with other vehicles or objects, while comprehensive covers non-collision incidents like theft, vandalism, or weather damage. We recommend full coverage for newer vehicles or if you're leasing or financing.

You can get insured in as little as 15 minutes! Our streamlined process allows you to get quotes, customize your coverage, and purchase a policy entirely online. Once your payment is processed, your coverage can begin immediately. You'll receive your policy documents and digital insurance ID card via email right away, and you can also access them through our mobile app.

Absolutely. Your insurance needs may change over time, and we make it easy to adjust your coverage. You can add or remove coverage options, change your deductible, update your personal information, or even add additional vehicles or drivers to your policy at any time through our website, mobile app, or by speaking with your dedicated insurance advisor. Most changes can be implemented immediately.

We offer a variety of discounts to help you save, including: Safe Driver Discount (for maintaining a clean driving record), Multi-Policy Discount (for bundling auto with home or renters insurance), Good Student Discount (for students with a B average or higher), Anti-Theft Device Discount, Defensive Driving Course Discount, Low Mileage Discount, and Paid-in-Full Discount. Our advisors will help you identify all discounts for which you qualify.

Filing a claim is simple and can be done 24/7 through our website, mobile app, or by calling our claims hotline. You'll need to provide basic information about the incident, including date, time, location, and description of what happened. If possible, take photos of any damage and get contact information from other parties involved. We'll assign a claims adjuster to your case who will guide you through the entire process and keep you updated on the status.

First, ensure everyone's safety and call 911 if there are injuries. Move vehicles out of traffic if safe to do so. Exchange insurance and contact information with other drivers, take photos of damage and the accident scene, and get contact information from witnesses if possible. Call the police to file a report, especially if there are injuries or significant damage. Contact us to file your claim as soon as possible - we're available 24/7 to help.

Most claims are processed within 3-5 business days, though complex cases may take longer. Simple claims like windshield repairs can often be approved within 24 hours. We'll provide you with regular updates throughout the process and let you know immediately if we need any additional information. Our goal is to get you back on the road as quickly as possible while ensuring your claim is handled thoroughly and fairly.

Yes! Our comprehensive roadside assistance is available 24/7, 365 days a year. Services include towing to the nearest qualified repair facility, battery jump-starts, flat tire changes, lockout assistance, and emergency fuel delivery. Roadside assistance can be added to most policies for a small additional fee. When you need help, simply call our roadside assistance number and help will be dispatched to your location.

Yes, you can cancel your policy at any time. If you cancel mid-term, you'll receive a refund for the unused portion of your premium, minus any applicable cancellation fees. However, we recommend maintaining continuous coverage to avoid potential penalties and ensure you're protected. If you're switching to another insurer, we suggest having your new policy in place before canceling your current one to avoid any gaps in coverage.

To get an accurate quote, you'll need: your driver's license number, vehicle information (make, model, year, VIN), current insurance information (if you have existing coverage), driving history for the past 3-5 years, and information about how you use your vehicle (commuting, business, pleasure). Having this information ready will help us provide you with the most accurate quote and identify all available discounts.

Yes, we work with drivers of all risk levels. If you have a less-than-perfect driving record, recent violations, or have been canceled by another insurer, we can still help you find coverage. While rates may be higher for high-risk drivers, we offer several programs to help you improve your driving record and potentially reduce your premiums over time, including defensive driving courses and safe driving monitoring programs.