Frequently Asked Questions
Below are some of our frequently asked questions. If you have any other
questions or concerns, please feel free to contact us.
| How do I get a free insurance quote online?
You can get a free, comparative insurance quote quickly by using this website!
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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. Some carriers are now offering twelve month policies. Ask your agent for details.
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| How long is a quote guaranteed?
Most companies guarentee their quotes for only 30 days. In most instances, this is the case. We recommend that you not let more than 7 days pass from the time you receive your quote, till the time you purchase you policy.
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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% of the total premium. Then we'll bill you each month for the remaining monthly installments. A 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).
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