All Questions

If someone else regularly drives your car, Root wants them to download the app and be added to the policy. Root scores every driver on the policy, not just the person who signed up. If your partner doesn’t use the app, Root might assume unknown trips are risky driving and your rate could go up, or …

You heard right; Kemper is one of the main companies that writes nonstandard auto insurance, which means they’re willing to insure drivers who’ve had lapses, tickets, or need SR-22 filings. So yes, they’re more likely to approve you when other companies won’t.That said, your price will still be hig…

Unfortunately, this is a very common complaint with Kemper (especially if you're not their customer). They don’t have the same urgency with third-party claims because you’re not paying them. Even if liability is obvious, they may still take their time while they “review” it.Here are a few ways to s…

For a lot of people, it really does. One of the biggest differences with Auto-Owners is that they still do things a little old-school — in a good way. When you file a claim, it usually lands on the desk of someone who actually works in your region, not in a national call center two time zones away.…

Root does use your phone’s GPS and motion sensors, but it isn’t tracking you 24/7 the way people think. The app only records driving data when it detects a trip. If you’re walking your dog or riding a bus, it shouldn’t count that as driving (though it occasionally mislabels trips, which you can cor…

You're not alone, and it isn't only Farmers customers seeing this. Adding a teen driver is one of the biggest premium jumps most families see, regardless of the insurance company. Farmers does have a few ways to help bring the cost down:Good student discount: If your daughter keeps her grades up, y…

Chubb does market to higher-value households, but that doesn't mean it isn't a solid option for you (depending on your priorities). Where Chubb stands out is in their coverage limits and claim handling. If you own a new or luxury vehicle, for example, Chubb often offers agreed value coverage — mean…

Yes, AIG does cover cars against hurricane and flood damage, and they’re known for working with higher-value vehicles. But the bigger issue here isn’t just AIG — it’s how insurance works for storm damage in general.Here’s what you need to know in plain terms:Flood and hurricane damage fall under “c…

Yes, Chubb does write homeowners insurance in California, though availability can vary depending on your location, property value, and fire risk. Because California has seen so many wildfire-related losses, a lot of carriers have scaled back coverage in higher-risk ZIP codes. Chubb is one of the in…

Bundling really can save you money, especially with a company like Auto-Owners that rewards customers for having multiple policies. When you insure your home and auto together, you’re usually eligible for a multi-policy discount that lowers the premium on both. On top of that, Auto-Owners sometimes…