Auto Insurance Information
FAQ (Frequently Asked Questions)
How do I get a free insurance quote on-line?
You can get a free, non binding, comparative insurance quote by selecting your state here.
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When can you start my coverage?
The earliest we can make your coverage effective is
the day following the postmark on the envelope
containing your initial payment. Coverage goes into
effect at 12:01 a.m. on that day. Or, we can make your
coverage effective on the date you request, as long as
your initial payment is postmarked before that date.
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How long is your auto policy period?
We offer six month policies. This is fairly common
for many companies. You receive a declarations page
and renewal bill approximately 60 days prior to your renewal date.
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How long is this quote guaranteed?
(All states except Texas and New York)
Sixty days. Your new policy must start before the
60 days are up for you to receive the current rate
quoted. Remember, the rate we have quoted is
based upon the information you have just given us.
If that information changes, your rate quote may
change.
After 60 days, the rate you receive will be subject to
our rates in effect then. For example, if a statewide
rate increase has occurred, then the rate you receive
may be different.
That's why we recommend you get an updated quote if you
are not planning to start your new policy with us until more
than 60 days
from now.
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What payment terms are available?
- Full Payment Plan:
- You pay the total premium owed on your quote.
- Installment Plan:
- Your first installment is half of
the total premium shown on your quote. We'll bill
you for the remaining half, plus a $3 service fee on
your second installment. The second installment
bill will be mailed out with your policy materials
and payment is due 60 days from the policy
effective date.
- Monthly Direct Bill:
- Your down payment is 25% (Florida 33 %)
of the total premium. Then we'll bill you each
month for the remaining monthly installments. A
$3 service fee is charged on each monthly bill.
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When are the installment payments due?
The due date will be the day of the policy effective
date for each consecutive month.
Some of our group accounts have additional options
available such as payroll deduction and automatic
deduction from their checking account. If you are a member of a sponsoring group,
and are interested in other payment options, please call for more details.
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What is the difference between split limits and
combined single limits of liability?
A combined single limit of liability has one limit for both
bodily injury and property damage combined. That means if
a policy had a limit of $100,000 the maximum
amount the policy would pay for the total bodily
injury and/or property damage would be $100,000.
A split limit liability policy has a separate limit per
person and per accident for bodily injury and a per
accident limit for property damage. For example, if
a policy had a limit of $25,000 on property damage
and a $100,000 per person limit on bodily injury,
with a $300,000 per accident limit on bodily injury,
the maximum amount the policy would pay is:
$25,000 for property damage and $300,000 for
total bodily injury (not exceeding $100,000 per
person).
All of our policies are written on a split limit basis.
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When can my premium rates increase?
Insurance rates can increase or decrease at different
points in time and for different reasons. Our
practice in increasing or decreasing your rates would
be similar to other companies in your area. For
example:
- Whenever there is an approved statewide rate change, rates
change for all policyholders at their next policy renewal.
These rate changes usually reflect changes in a company's
cost of paying claims.
- Your individual policy's premiums can increase or decrease
due to number of factors like the number and type of
driving violations you have, or the number and type of
accidents you have. Changes in the vehicles insured, the
coverages provided or the drivers insured under the policy
may also result in changes to your policy's premiums.
- Also, your premium can increase or decrease if any of the
information you provide in your application is different
from the information you provided when we prepared your
quotation.
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Do you offer an umbrella policy?
We do have an umbrella policy available in most
states. If you are interested in getting a quote, please
send us an e-mail or give us a call and we will get
back to you.
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Can you give me enough auto insurance to qualify
for an umbrella with another company?
Umbrella policies usually require you to carry Bodily
Injury Liability of $100,000/$300,000 or
$250,000/$500,000 with Property Damage Liability
of $50,000 or $100,000.
Companies have different requirements. We can
take the information necessary to prepare your
quote and we can determine which of these
coverages you qualify for.
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Can I have my auto insurance with you, but
my Umbrella with another company?
If you are eligible for our auto program, our
company would certainly allow you to obtain an
umbrella policy from another insurance company.
However, you should check with the company
offering the umbrella policy for their requirements.
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Will my policy cover me if I am renting
a car during vacation?
The coverage on your covered auto transfers to rental cars
which are rented on a short term basis for personal reasons. If
you have more than one car on your policy , the broadcast
coverage on your policy will transfer to the rental car.
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If my car is damaged, do I have to have it
repaired at a shop approved by the insurance company?
We do have preferred repair shops in certain geographic
locations. These shops perform quality repairs that are guaranteed
by the company. They also give preferred service to our policy holders.
It is your option to use these shops. The final choice of repair facility
is made by the owner of the vehicle.
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Should I report all accidents and incidents
of vehicle damage to the police?
We recommend that all accidents and incidents are reported to
the local police department. This provides documentation of the facts.
It also provides the opportunity for the police to investigate.
This investigation can help the company in the handling of the claim.
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If I purchase personal property that is
covered by my auto or homeowners policies, how long should
I keep the receipts?
The proof of purchase should be kept as long as you own
the property. The receipts are vital to our evaluation of the claim
if the property is damaged or stolen.
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What is the best way to maintain an
inventory of my personal property or the condition of my car?
Photos of your property and car are the most effective method of
establishing their conditions. Maintenance records and repair receipts
should be available for as long as you own the property.
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Where should I keep the title to my car
and my insurance policy?
These documents should be kept in a secure location such as a safety
deposit box or a fire proof metal filing box at home. They should not
be put in the glove compartment of the car. These documents could be
needed for the settlement of a claim. If the car is destroyed or stolen,
their unavailability could delay the settlement process.
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Do I need special coverage on my car to protect
me if I have an accident in a state other than the state in which
my car is registered?
The auto policy contains a provision called " Out of State
Coverages ". This provision provides that the limits of liability
for property damage and bodily injury will comply with any requirements
of the state in which the accident occurs. Your policy will also provide
the required minimum amounts and types of coverage of any compulsory
insurance or similar law required of a non resident using a vehicle
in that state.
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Free Quote
The Auto Insurance Group provides you the opportunity to request an auto insurance quote online.
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