All Questions

Which spouse is primary usually won’t change your rate much with clean recordsThis is an excellent question! Insurance is very complex, so trying to find the best rate can be a challenge. In this instance with both you and your wife having clean records and being close in age, the rate shouldn't be…

This is an excellent question. Insurance carriers reserve the right to add anyone that they pull that has used your daughter's address for a mailing address, especially if that person shares a last name and it's where the insured vehicle is garaged for most of the time.They are typically given 30-6…

Typically, yes, your property inside the car will be covered by the personal property coverage on your homeowners or renters coverage. Any damage to your car would be covered by your auto insurance policy, but the personal property should be covered by your renters insurance policy, and that includ…

For a cosmetic issue like a scratch, my general advice is to pay out of pocket if the repair is relatively affordable, rather than filing a claim that could leave you with a rate increase.First, it's worth knowing that a scratch on a parked car falls under comprehensive coverage, which covers damag…

Household members must typically be listed on your auto insurance policyThanks for reaching out to The Zebra!This is actually a common concern for families. Insurance companies generally require that any person in the household be listed on your policy regardless of driving status. The reason is th…

Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. It protects your assets if you're sued for injury or damage you cause to another party. On its own, umbrella insurance generally does not include uninsured or underinsured …

You should be able to get preliminary rates with your credit still frozen. However, in order to run all of the reports (credit, claims history, violation history, etc.) and finalize your auto insurance rates, many carriers will require a credit check which would require you to unfreeze your credit.…

Thank you for reaching out to us here at The Zebra. You can call our agency at 888-444-8949 to speak to one of our Licensed Insurance Advisors. They can shop you around with carriers we partner with in your state, in order to find you the best policy that meets your needs. If you are interested, yo…

I'm so sorry to hear about your accident during such a transitional and inconvenient time! I would contact your insurance company in Oregon and talk to the claims department to see if this will be covered. Many companies provide a grace period for you to obtain other insurance while you are moving …

I'm sorry to hear about how you're being overcharged for your insurance! It is true that having an SR-22 will significantly impact your premium, but it sounds like you might be having issues getting a hold of your agent, as well. Feel free to shop around, if you'd like to look at other options. You…