FAQS – General

Q: What kinds of questions will I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information?

A: When you apply for an insurance policy, you will be asked a series of standard questions about yourself, such as name, age, gender, address, etc. In addition, you will be asked a number of other questions which will be used to determine how likely you are to make a claim. For example, when an insurance company is deciding whether or not to offer automobile insurance to a potential customer, it will want to know about the person’s previous driving record, whether they have any recent accidents or tickets, driving habits and what type of car they need to insure in order to determine a fair price.

Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than a young driver with multiple traffic violations. In order to determine the right policy program for you, the insurance company will need to know this basic information about you.

Q: What are the advantages to using an agent to purchase insurance?

A: By using an agent to purchase insurance, the policyholder receives more personal service. Our experienced agents take the time to discuss each policy with our customers, often discovering key gaps in their current insurance protection. We ask the right questions in order to provide them with the best protection at the best price. A local agent can also be vital when purchasing a product and absolutely necessary when filing a claim.