Frequently Asked Questions

Getting a quote takes just a few minutes. Fill out our online form with basic information about yourself and your vehicle, and our system will calculate your rate right away. You do not need to wait hours or talk to someone on the phone unless you want to.

You will need your driver license number, vehicle information like make and model, current mileage, and where you park your car overnight. Having your VIN number ready helps speed things up, but you can also look it up later if needed.

Yes, you can adjust your coverage anytime. Whether you buy a new car, move to a different address, or just want to add more protection, contact us and we will update your policy. Changes usually take effect within 24 hours.

Call our claims hotline or file online through your account. Provide details about what happened, upload photos of the damage, and we will assign someone to handle your case. Most claims get reviewed within one business day, and we will guide you through the entire process.

Absolutely. If you have not had any accidents or tickets, you qualify for our safe driver discount. The longer you keep a clean record, the more you save. We also offer discounts for multiple vehicles, paying your policy in full, and taking defensive driving courses.

If you have uninsured motorist coverage, we handle your medical bills and repair costs even though the other driver has no insurance. This protects you from being stuck with expenses that should not be your responsibility. It is optional but highly recommended.

Yes, we offer flexible payment plans including monthly, quarterly, and annual options. Choose what works best for your budget. Paying annually saves you a bit more, but monthly payments make it easier to manage your cash flow without any penalties.

Roadside assistance is an optional add-on you can include when building your coverage. It covers towing, jump starts, flat tire changes, lockout help, and fuel delivery. The cost is minimal compared to paying for these services out of pocket when you need them.

Simple claims often get approved within a few days. More complex cases involving injuries or disputes might take longer, but we keep you updated every step of the way. Once approved, payments usually arrive within five business days so repairs can start quickly.

It depends on the situation. If the accident was not your fault, your rate should stay the same. For at-fault accidents, rates might increase at renewal, but we review each case individually. One small claim usually does not cause a huge jump in your premium.

Yes, you can cancel anytime. If you cancel before your policy term ends, you may get a refund for the unused portion depending on how you paid. Just make sure you have new coverage in place before canceling so you do not drive without protection.

It depends on your car's value and your financial situation. If your vehicle is worth less than a few thousand dollars, you might skip comprehensive and collision to save money. But if theft or weather damage would be hard to recover from, keeping that coverage makes sense.