Frequently Asked Questions

Your premium is influenced by several factors including your driving history, vehicle type, age, location, coverage level, and annual mileage. Safe drivers with clean records typically receive lower rates. We also offer various discounts that can help reduce your premium, such as multi-vehicle discounts, safe driver discounts, and bundling discounts.

You can get instant coverage once your application is approved. The entire process typically takes less than 15 minutes. Your policy documents and insurance card are available immediately through your online account, and you can download or print them right away.

Collision coverage protects your vehicle from damage caused by accidents with other vehicles or objects, regardless of who is at fault. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, natural disasters, fire, and animal collisions. Both types of coverage are important for complete protection.

Filing a claim is simple and straightforward. Contact us immediately after an incident through our 24/7 hotline, mobile app, or online portal. Provide the necessary details and documentation, and we'll assign a dedicated claims adjuster to your case. Most claims are processed within 48 hours, and we keep you updated throughout the entire process.

Absolutely. We offer flexible coverage options that you can tailor to your specific needs and budget. You can adjust coverage limits, add optional protections like roadside assistance or rental car reimbursement, choose your deductible amount, and modify your policy at any time as your needs change.

Yes, we provide significant discounts when you insure multiple vehicles under one policy. The more vehicles you add, the more you save. Additionally, we offer safe driver discounts, bundling discounts for combining policies, loyalty rewards for long-term customers, and good student discounts.

Roadside assistance is included in our Complete and Premium plans at no additional cost. It covers 24/7 towing, flat tire changes, fuel delivery, lockout service, and battery jump-starts. If you have our Essential plan, you can add roadside assistance as an optional coverage for a small additional fee.

If you have uninsured motorist coverage, you're protected even if the other driver has no insurance or insufficient coverage. This coverage pays for your medical expenses, lost wages, and vehicle repairs. It also covers hit-and-run incidents where the at-fault driver cannot be identified.

You can update your policy information anytime through your online account, mobile app, or by contacting our customer service team. Common updates include changing your address, adding or removing vehicles, updating driver information, and adjusting coverage levels. Most changes take effect immediately.

Yes, you can cancel your policy at any time without penalties. We offer flexible cancellation terms and will provide a pro-rated refund for any unused premium. Simply contact our customer service team or submit a cancellation request through your online account. We recommend maintaining continuous coverage to avoid gaps that could affect future rates.

We accept all major credit cards, debit cards, and electronic bank transfers. You can choose to pay your premium monthly, quarterly, semi-annually, or annually. We also offer automatic payment options for your convenience, ensuring you never miss a payment and maintain continuous coverage.