All Questions

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…

Acuity actually handles major hailstorms better than some companies because they quickly bring in catastrophe response adjusters and team up with local repair shops to fast-track estimates. You’ll still wait longer than usual after a major storm (realistically, 7–14 days for inspections in busy are…

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…

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.…

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'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…

Hanover’s rates do tend to run higher than average, and that can feel like a shock if you’re shopping around for the first time. If cheap coverage is your sole focus, Hanover may not be the best deal for you at this point. There are a couple of reasons behind rates you're seeing:Coverage style: Han…

Great question, this is actually a common concern. Hanover’s Prestige option is designed for people with newer or higher-end cars who want better protection than a standard policy usually offers.Here’s what makes it different:OEM parts: Prestige usually covers original manufacturer parts if your SU…

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…