Homeowners Insurance

Is the type of siding on a house, like vinyl, a rating factor for insurance premiums?

There is no straight-forward answer to what building materials you use for your house and the homeowners insurance rate you will end up with. Here's a tip to keep in mind that may help you make a decision: brick, stucco, and concrete are preferred by most insurers because they tend to be flame-retardant so the risk of losing the whole building decreases.

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Coverage & Claims

Is there insurance coverage for auto glass?

Depending on your insurance company there are two ways you can go about getting auto glass coverage: through your comprehensive coverage, which includes glass protection, or you can add specific glass coverage if your insurer offers it. This comes with a separate, much lower deductible for glass damage compared to your comprehensive deductible.

Car Insurance Costs

What's the average rate increase for a collision claim?

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

Car Insurance Costs

What do insurance companies use to determine high risk drivers?

Every insurance company rates drivers differently. There are also other factors, such as credit, continuous insurance history, and age that can determine you to be a high-risk driver.

Eligibility

Do I have a grace period to drive a used vehicle I just purchased without insurance coverage?

Hello, Thanks for your question. Most companies will give you up to 14 days to add the vehicle. Every company is different so make sure to contact your insurance company as soon as possible.

General Insurance

Is it necessary to report to my insurance company that I got a citation for improper starting?

No, you don't have to report to your insurance company that you received a citation. But when it comes time to renew the policy, your insurance company will check your MVR (motor vehicle report) and probably raise your premium accordingly upon seeing the ticket.

General Insurance

When do I get insurance after setting up financing for a used car?

I recommend setting up your insurance policy before you pick it up because you will need to have insurance as soon as you drive off the lot. The seller shouldn't have to be involved when you're choosing a policy.

Every state has minimum liability insurance coverage requirements which are included on every policy.


General Insurance

What insurance should I get if I drive my sister 6 miles a day and drive a rental once a month?

There are a couple of things to consider to get insured. Because your sister will own the vehicle, any insurance policy you get will require you list her as an additional interest, just like if you were financing a vehicle.

Coverage & Claims

Does my dad have to file a claim if I totaled his car?

Yes. Your father will need to file an insurance claim unless he plans to pay out of pocket for the damages to the other vehicles and not be compensated for his vehicle.

General Insurance

If you're married but separated do you have to include spouse on car insurance?

If you are legally separated, some companies but not all, will not make you list your spouse. If you are not legally separated then you will need to list your spouse but they can be excluded which means they will not be covered to drive on the policy and being married typically lowers your rate.

Car Insurance Costs

How often are insurance rate increases?

There is no limit on how many specific times your rate can increase. There are several different factors that go into calculating the rate.
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