Your auto policy only covers you for accidents in the United States, its territories, and possessions, Puerto Rico and Canada? If you take your vehicle, or rent a vehicle, anywhere outside of US territories you must purchase coverage there.
Your automobile policy does not contain a deductible for glass breakage unless you specifically choose one?
All potential drivers in your household must be listed as operators on your insurance plan? In the event of an accident by a member of your household not listed as an operator, you may be denied coverage.
All customary operators, not just household members, need to be listed on your policy in order for damages on your vehicle to be covered? In the event of an accident by a customary operator not listed as and operator, you may be denied coverage.
Listing your child as an occasional driver could jeopardize the way your insurance company pays a claim if they drive the vehicle more than anyone else?
Did you know that your future earnings could be in jeopardy if you are sued and are underinsured?
You could be liable for storage fees after an accident if you do not have collision coverage?
Having an expired safety inspection sticker is a surchargeable violation?
A typical auto policy installment plan has 10 payments and include a service charge, although many EFT programs offer 12 installments and $0 installment charges? We can help you change your billing to have your payments taken directly out of your bank account.
Your insurance does not cost more because you drive a RED car?
Certain model vehicles are designated “high-theft” risks and must have certain types of anti-theft devices to avoid a “high-risk” premium?
If you have your spouse’s car insured with the same insurance company as yours you will receive a “multi-car” discount on your auto policies? (This discount automatically
applies if they are on the same policy).
If you have any sort of anti-theft device, you are eligible for a discount on your
Comprehensive coverage premium ranging from 5% to 36%? Be sure to check your policy to make sure you are getting a credit! (It is shown as “ATD”).
If your car is driven less than 7,500 miles annually, you are eligible fr a “Low Mileage Discount?”
If you regularly commute to work on an approved public-transit system, you are eligible for a discount?
Where you keep your car at night is a factor in determining your premium? You cannot compare premiums without making sure the “garaging” is the same. Companies can deny claims if the garaging is incorrect on the policy.
You may be eligible for a discount on your auto policy if we also insure your Homeowners’ policy?
You may be eligible for a discount on your Homeowner’s policy if we also insure your auto policy.
You can lower your Homeowner’s premium by increasing your deductible?
If you rent a vehicle and it is damaged in an accident you can be charged for loss of use by the rental company?
When your vehicle is totaled, if you do not plan on replacing the vehicle, you must turn in your plates to cancel the policy? Otherwise the insurance continues in force until the plates are cancelled.
In order to cancel your insurance on a vehicle, you must turn in your plates and notify your agent? You must also send a copy of your plates to your Town Hall in order to stop your Excise Tax.
When you cancel your policy mid-term, it results in a “short-rate” penalty (unless you meet certain criteria, such as having another policy with that company)? The best time to cancel a policy is at expiration.
Some companies may offer a policy with a six-month term, rather than a full year? Be
sure that you are comparing “apples to apples” when comparing different premium quotes.
