FAQs

Independent insurance agents represent several insurance companies and issue many types of insurances and offer financial planning services. Independent insurance agents are well trained and are able to provide knowledgeable information regarding various insurance products based on fluctuations in the insurance market and changes in insurance laws and regulations. Because of their expertise, they are able to accurately advise and guide you and your family in obtaining the appropriate insurance policy and coverage’s that best suit your needs.

An insurance premium is the rate you are charged by an insurance company to keep your policy or policies in effect. These rates are typically paid annually, bi-annually, or in monthly installments over the course of a year. If paid by installments, you can expect to pay an additional monthly installment fee in exchange for using the flexible payment plan.

An insurance deductible is the amount of money you are responsible for before the insurance company will pay any expenses incurred in the event of a loss or a claim. In most cases, the higher the deductible, the lower the premium.

We ask a lot of questions. For instance, we may ask you your name, date of birth, social security number, address, etc. You’ll also be asked questions that help an insurance carrier determine the likelihood that you will make a claim.

When an insurance carrier is deciding whether or not to offer auto insurance to someone, they’ll want to know about the person’s previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured. Knowing all of this also helps us choose the best carrier for you.

Insurance companies have programs suited to different people. Adults with good driving records will generally pay less for auto insurance than will a young driver who has already gotten traffic tickets, etc. In order to determine which program you can actually qualify for, we need some basic information about you.

In addition to your personal info, your vehicle’s information and what your typical driving routine is also needed to determine your premium. For example, a compact car costs less to repair (or replace) than a luxury car. If you commute 30 miles back and forth to work every day, you are more likely to get in an accident than someone who only uses their car to go to the grocery store twice a week.