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In most states car insurance is required on some level. The minimum amount of coverage can vary from state to state. New Hampshire and Virginia are the only states that currently do not require that drivers buy auto insurance. In the state of Arizona is is mandatory to have car insurance and you will be fined if you are pulled over and cannot provide proof of insurance. Click here for more information about the importance of getting car insurance.
Comprehensive and collision coverage extends to rental cars however liability insurance does not. You should check with your policy before renting a car to understand exactly what is covered and what is not. Many credit cards offer rental car insurance free of charge. You can learn more about rental cars and insurance by reading our blog "How does insurance work with rental cars?".
When someone hits a parked car they are responsible for making contact with the vehicle owner. They must either wait for the owner to return to their car or leave a note with their personal contact information, insurance information and a description of the incident. If someone hits a vehicle and does not leave this information it then becomes a hit and run situation. Take pictures of the damage and call the police to file a report. For more information click here.
Umbrella insurance is extra liability coverage. It is there to help protect you from lawsuits and major claims. It helps protect your assets. For more information click here.
Yes, we would highly recommend it! Defensive Driving School is a simple four hour course that can be taken online. Your other two options are to pay the fine or fight the ticket which can be tiresome and expensive. A simple speeding ticket can significantly effect your rates which is why it is important to keep your driving record as clean as possible. Read our blog to learn more about the importance of attending defensive driving school.
A good starting point is adding up all of the expenses you would be leaving behind and then go from there. To learn more click here.
Pet insurance is coverage for medical bills on your pet. All dogs and cats 8 weeks and older are eligible for coverage. If you have pet insurance: when you use any veterinarian, specialist or emergency clinics: you can then submit a claim online, by mail, or fax, and receive reimbursement through direct deposit mail. Learn more about pet insurance and how it works.
A Vacancy Permit is an endorsement added to a homeowner policy that extends your home insurance to maintain coverage and insure the property while it is vacant. They are usually issued for a specific length of time and reduces coverage to your insurance. Click here learn more.
The short answer is yes. There is a correlation between credit scores and individuals getting into accidents, and cancellation policies due to non-payment. It is important to keep your credit in good standing to ensure that your insurance rates do not increase. Click here to learn more.
An Insurance broker is someone who is not employed by an insurance company but they are licensed insurance agents. Their job is to advise clients on their insurance needs and search out the best policy on their behalf. Click here to learn more.
