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Frequently Asked Insurance Questions2018-02-14T23:32:54+00:00

Frequently Asked Insurance Questions

How do I know if I’m getting a good deal?2018-03-20T23:33:16+00:00

Your unique insurance needs change every year. So do carrier rates and pricing.

The best way to ensure you’re getting the best value for your insurance dollar is to work with an Independent Insurance Agency (like ours). As an Independent Agency, we have multiple carriers we can shop with to find the right fit for you.

Keep in mind, that although the price is important, having the proper coverage to protect what you’ve worked hard to earn has the highest priority.

Our process to provide you the best value includes

  1. Understanding your insurance needs.
  2. Recommending coverage options to protect you
  3. Shop with multiple carriers to find you the best value
  4. Re-visit your insurance needs every year

Remember, getting a good deal on insurance includes more than price. I’ve never talked to anyone after being involved in an accident and had them upset with me for recommending proper coverage. Protecting you properly as the best value is our primary focus.

I need to talk to a Real Person

Chat
Call Us
Are other people covered if they borrower my car?2018-03-16T21:22:10+00:00

The standard answer is Yes… with some limitations. Utah allows for the permissive use of your vehicle (you gave them permission to drive it)

That means if you let someone borrower your car to run an errand, or use it temporarily, then your auto policy will cover them while they drive it.

The key here is the intent.  If you give permission for them to use it on a one-off or temporary situation, there is coverage. If you are providing your vehicle to someone for regular or prolonged use, then you need have that person added to your auto insurance policy.

Remember, coverage is limited to the actual coverage you have on your vehicle.

I need to talk to a Real Person

Chat
Call Us
Why do my rates go up every year?2018-03-20T22:49:55+00:00

There is no quick answer to this question that applies to everyone across the board. Each individual or family may have different circumstances that affect their insurance rates.

Here are 5 of the most common reasons we see your insurance rate increase.

1. Tickets & Accidents – Your driving record has the single biggest effect on the cost of your insurance. In fact, most carriers are now considering tickets and accidents for the past 5 years (some still only look 3 years back). When you get a ticket or are responsible for an accident, you will see an increase in your insurance rates.

2. Location – Insurance companies take into consideration many factors about where you live. Population, crime rates, housing density and other demographics will affect the cost of your insurance. Generally speaking, rural areas tend to be less expensive than metro areas.

3. Household & Vehicle changes – Adding or removing drivers and/or vehicles will change the cost of your insurance.

4. Carrier Changes – Insurance carriers re-visit their pricing model often to make sure they remain both profitable as well as competitive.

5. Discounts – Most carriers offer a variety of discounts based on household size, types of policies with that carrier, and how long you’ve been with the carrier. Some discounts, such as a new customer discount, will fall off after a few years.

We encourage all clients to view their policies every year with their agent to ensure they have the coverage they need and are getting the best value for it.

I need to talk to a Real Person

Chat
Call Us
When should I add my kids to my auto insurance policy?2018-04-18T17:53:57+00:00

Getting your driver’s license is a fun an exciting time for many people.

When your child gets their learner’s permit, along with teaching them to drive, we encourage you to teach them about insurance. Insurance for a new driver can often be expensive. Most people are surprised by the increase, and most kids have no clue as to the costs. We welcome the opportunity to sit down with your new driver and explain the ins and outs of auto insurance and what they can do to minimize the cost.

For new drivers, you DO NOT need to list them on your auto policy while they have a learner’s permit; however, once they get their actual license, you need to have them added to your policy.

Making changes to your auto policy can be done online at our Client Service Portal. And of course, you’re always welcome to reach out by phone or email.

I need to talk to a Real Person

Chat
Call Us
How do I save money on my car insurance?2018-03-02T17:44:13+00:00

We all are budget conscious, especially when it comes to our daily living. Every prudent person should look for ways to save money on their everyday items.

There are several hundred factors that determine the rate you pay on your auto insurance. Some you can control, some you can’t.

Here are a few things you can do to save on your auto insurance:

  • Maximise your policy discounts
  • Maintain a clean driving record
  • Pay your insurance bill on time
  • Set up automatic payments (you often get a discount for this)
  • Bundle your home and auto insurance with the same carrier
  • Meet with your agent annually to review your needs – don’t pay for what you don’t need

Saving money is important. One thing you should never consider as a cost-saving method is reducing your coverage amounts. It may be tempting to take a lower liability limit on your policy to save a few bucks. But we’ve seen it time and time again where having a lower liability limit ends up costing you more in the long run.

Make sure you work closely with your Insurance Advisor to determine your coverage needs and put a plan in place to make sure those needs are met at the best available price.

I need to talk to a Real Person

Chat
Call Us
Why does my older car cost so much to insure?2018-03-16T21:57:04+00:00

Insurance companies determine the rates they charge on hundreds of factors. Age and value of a vehicle will affect the cost of insurance.

Generally, the value of a car diminishes as it gets older. This, in turn, diminishes the risk an insurance company has covering that vehicle, and hence you get a lower rate on an older car.

But that’s not always the case.

There are other factors besides age and value that determine the rate you pay and these changes can often offset the savings you see with an older vehicle.

I need to talk to a Real Person

Chat
Call Us
Does my Auto Insurance cover a Rental Car?2018-03-02T19:24:41+00:00

This is one of our most often asked questions. In fact, we wrote a whole blog post all about it.

Rental car coverage can be a bit tricky, but the simple answer is the coverages you have on your own car will transfer to the rental car. With some exceptions.

So, if you have comprehensive and collision coverage on your personal auto, then you will have comp and collision coverage for the rental car.

There is never coverage for “loss of use” for the rental company. Meaning, if you wreck one of their cars, they won’t be able to rent it out while it’s being fixed. The rental car company will want to pass that loss on to you.

Also, if you are renting a car for business, there are additional limitations on coverage.

When in doubt, purchase the insurance from the rental car company. Then there will be no questions as to what is covered and what isn’t.

For additional information, check out our blog post or schedule a time to chat with your Agent.

I need to talk to a Real Person

Chat
Call Us
How do I know if I’m getting a good deal?2018-03-20T23:33:16+00:00

Your unique insurance needs change every year. So do carrier rates and pricing.

The best way to ensure you’re getting the best value for your insurance dollar is to work with an Independent Insurance Agency (like ours). As an Independent Agency, we have multiple carriers we can shop with to find the right fit for you.

Keep in mind, that although the price is important, having the proper coverage to protect what you’ve worked hard to earn has the highest priority.

Our process to provide you the best value includes

  1. Understanding your insurance needs.
  2. Recommending coverage options to protect you
  3. Shop with multiple carriers to find you the best value
  4. Re-visit your insurance needs every year

Remember, getting a good deal on insurance includes more than price. I’ve never talked to anyone after being involved in an accident and had them upset with me for recommending proper coverage. Protecting you properly as the best value is our primary focus.

I need to talk to a Real Person

Chat
Call Us
Why do my rates go up every year?2018-03-20T22:49:55+00:00

There is no quick answer to this question that applies to everyone across the board. Each individual or family may have different circumstances that affect their insurance rates.

Here are 5 of the most common reasons we see your insurance rate increase.

1. Tickets & Accidents – Your driving record has the single biggest effect on the cost of your insurance. In fact, most carriers are now considering tickets and accidents for the past 5 years (some still only look 3 years back). When you get a ticket or are responsible for an accident, you will see an increase in your insurance rates.

2. Location – Insurance companies take into consideration many factors about where you live. Population, crime rates, housing density and other demographics will affect the cost of your insurance. Generally speaking, rural areas tend to be less expensive than metro areas.

3. Household & Vehicle changes – Adding or removing drivers and/or vehicles will change the cost of your insurance.

4. Carrier Changes – Insurance carriers re-visit their pricing model often to make sure they remain both profitable as well as competitive.

5. Discounts – Most carriers offer a variety of discounts based on household size, types of policies with that carrier, and how long you’ve been with the carrier. Some discounts, such as a new customer discount, will fall off after a few years.

We encourage all clients to view their policies every year with their agent to ensure they have the coverage they need and are getting the best value for it.

I need to talk to a Real Person

Chat
Call Us
How do I save money on my car insurance?2018-03-02T17:44:13+00:00

We all are budget conscious, especially when it comes to our daily living. Every prudent person should look for ways to save money on their everyday items.

There are several hundred factors that determine the rate you pay on your auto insurance. Some you can control, some you can’t.

Here are a few things you can do to save on your auto insurance:

  • Maximise your policy discounts
  • Maintain a clean driving record
  • Pay your insurance bill on time
  • Set up automatic payments (you often get a discount for this)
  • Bundle your home and auto insurance with the same carrier
  • Meet with your agent annually to review your needs – don’t pay for what you don’t need

Saving money is important. One thing you should never consider as a cost-saving method is reducing your coverage amounts. It may be tempting to take a lower liability limit on your policy to save a few bucks. But we’ve seen it time and time again where having a lower liability limit ends up costing you more in the long run.

Make sure you work closely with your Insurance Advisor to determine your coverage needs and put a plan in place to make sure those needs are met at the best available price.

I need to talk to a Real Person

Chat
Call Us
Am I required to have Home Insurance?2018-03-02T16:48:45+00:00

The simple answer is YES!

The easy answer is, even if you’re not required to have it, I’d highly recommend you have it.

In fact, I can’t think of any reason why you wouldn’t want to have home insurance.

Back to the beginning. If you have a mortgage on your home, your lender will require you to have homeowner’s insurance.

When you reach that amazing point in life when you no longer have a mortgage on your home, you no longer have a requirement to have homeowner’s insurance; however, you should really place this requirement on yourself.

Here’s why. Your home is one of your largest investments and is worth hundreds of thousands of dollars. For a few hundred dollars per year, you can protect that investment from fire, vandalism, theft, and so much more.

So, even if it’s not a requirement from your lender, it is the very best thing you can do to protect your home and lifestyle.

I need to talk to a Real Person

Chat
Call Us
When should I file a claim on my home policy?2018-03-02T20:19:48+00:00

Having to file a claim is never a fun event. This usually means something tragic, or at least, “not a good thing” has happened in your life.

This is exactly why you have insurance.

When determining whether or not you should file a claim, you should consider the following:

  • What is the cause of the incident
  • What is the severity of the incident
  • How much time & money will it take to fix this
  • What is my deductible

Once you know these 4 things, you can determine if filing a claim will be a benefit for you.

I always recommend consulting your Insurance Advisor anytime you are considering filing a claim.  They will be able to walk you through these steps and help you determine if you should file the claim. If you do, they will also be there to walk you through the entire claims process.

I need to talk to a Real Person

Chat
Call Us
How do I know if I’m getting a good deal?2018-03-20T23:33:16+00:00

Your unique insurance needs change every year. So do carrier rates and pricing.

The best way to ensure you’re getting the best value for your insurance dollar is to work with an Independent Insurance Agency (like ours). As an Independent Agency, we have multiple carriers we can shop with to find the right fit for you.

Keep in mind, that although the price is important, having the proper coverage to protect what you’ve worked hard to earn has the highest priority.

Our process to provide you the best value includes

  1. Understanding your insurance needs.
  2. Recommending coverage options to protect you
  3. Shop with multiple carriers to find you the best value
  4. Re-visit your insurance needs every year

Remember, getting a good deal on insurance includes more than price. I’ve never talked to anyone after being involved in an accident and had them upset with me for recommending proper coverage. Protecting you properly as the best value is our primary focus.

I need to talk to a Real Person

Chat
Call Us
Are other people covered if they borrower my car?2018-03-16T21:22:10+00:00

The standard answer is Yes… with some limitations. Utah allows for the permissive use of your vehicle (you gave them permission to drive it)

That means if you let someone borrower your car to run an errand, or use it temporarily, then your auto policy will cover them while they drive it.

The key here is the intent.  If you give permission for them to use it on a one-off or temporary situation, there is coverage. If you are providing your vehicle to someone for regular or prolonged use, then you need have that person added to your auto insurance policy.

Remember, coverage is limited to the actual coverage you have on your vehicle.

I need to talk to a Real Person

Chat
Call Us
Why do my rates go up every year?2018-03-20T22:49:55+00:00

There is no quick answer to this question that applies to everyone across the board. Each individual or family may have different circumstances that affect their insurance rates.

Here are 5 of the most common reasons we see your insurance rate increase.

1. Tickets & Accidents – Your driving record has the single biggest effect on the cost of your insurance. In fact, most carriers are now considering tickets and accidents for the past 5 years (some still only look 3 years back). When you get a ticket or are responsible for an accident, you will see an increase in your insurance rates.

2. Location – Insurance companies take into consideration many factors about where you live. Population, crime rates, housing density and other demographics will affect the cost of your insurance. Generally speaking, rural areas tend to be less expensive than metro areas.

3. Household & Vehicle changes – Adding or removing drivers and/or vehicles will change the cost of your insurance.

4. Carrier Changes – Insurance carriers re-visit their pricing model often to make sure they remain both profitable as well as competitive.

5. Discounts – Most carriers offer a variety of discounts based on household size, types of policies with that carrier, and how long you’ve been with the carrier. Some discounts, such as a new customer discount, will fall off after a few years.

We encourage all clients to view their policies every year with their agent to ensure they have the coverage they need and are getting the best value for it.

I need to talk to a Real Person

Chat
Call Us
When should I add my kids to my auto insurance policy?2018-04-18T17:53:57+00:00

Getting your driver’s license is a fun an exciting time for many people.

When your child gets their learner’s permit, along with teaching them to drive, we encourage you to teach them about insurance. Insurance for a new driver can often be expensive. Most people are surprised by the increase, and most kids have no clue as to the costs. We welcome the opportunity to sit down with your new driver and explain the ins and outs of auto insurance and what they can do to minimize the cost.

For new drivers, you DO NOT need to list them on your auto policy while they have a learner’s permit; however, once they get their actual license, you need to have them added to your policy.

Making changes to your auto policy can be done online at our Client Service Portal. And of course, you’re always welcome to reach out by phone or email.

I need to talk to a Real Person

Chat
Call Us
How do I save money on my car insurance?2018-03-02T17:44:13+00:00

We all are budget conscious, especially when it comes to our daily living. Every prudent person should look for ways to save money on their everyday items.

There are several hundred factors that determine the rate you pay on your auto insurance. Some you can control, some you can’t.

Here are a few things you can do to save on your auto insurance:

  • Maximise your policy discounts
  • Maintain a clean driving record
  • Pay your insurance bill on time
  • Set up automatic payments (you often get a discount for this)
  • Bundle your home and auto insurance with the same carrier
  • Meet with your agent annually to review your needs – don’t pay for what you don’t need

Saving money is important. One thing you should never consider as a cost-saving method is reducing your coverage amounts. It may be tempting to take a lower liability limit on your policy to save a few bucks. But we’ve seen it time and time again where having a lower liability limit ends up costing you more in the long run.

Make sure you work closely with your Insurance Advisor to determine your coverage needs and put a plan in place to make sure those needs are met at the best available price.

I need to talk to a Real Person

Chat
Call Us
Am I required to have Home Insurance?2018-03-02T16:48:45+00:00

The simple answer is YES!

The easy answer is, even if you’re not required to have it, I’d highly recommend you have it.

In fact, I can’t think of any reason why you wouldn’t want to have home insurance.

Back to the beginning. If you have a mortgage on your home, your lender will require you to have homeowner’s insurance.

When you reach that amazing point in life when you no longer have a mortgage on your home, you no longer have a requirement to have homeowner’s insurance; however, you should really place this requirement on yourself.

Here’s why. Your home is one of your largest investments and is worth hundreds of thousands of dollars. For a few hundred dollars per year, you can protect that investment from fire, vandalism, theft, and so much more.

So, even if it’s not a requirement from your lender, it is the very best thing you can do to protect your home and lifestyle.

I need to talk to a Real Person

Chat
Call Us
When should I file a claim on my home policy?2018-03-02T20:19:48+00:00

Having to file a claim is never a fun event. This usually means something tragic, or at least, “not a good thing” has happened in your life.

This is exactly why you have insurance.

When determining whether or not you should file a claim, you should consider the following:

  • What is the cause of the incident
  • What is the severity of the incident
  • How much time & money will it take to fix this
  • What is my deductible

Once you know these 4 things, you can determine if filing a claim will be a benefit for you.

I always recommend consulting your Insurance Advisor anytime you are considering filing a claim.  They will be able to walk you through these steps and help you determine if you should file the claim. If you do, they will also be there to walk you through the entire claims process.

I need to talk to a Real Person

Chat
Call Us
Why does my older car cost so much to insure?2018-03-16T21:57:04+00:00

Insurance companies determine the rates they charge on hundreds of factors. Age and value of a vehicle will affect the cost of insurance.

Generally, the value of a car diminishes as it gets older. This, in turn, diminishes the risk an insurance company has covering that vehicle, and hence you get a lower rate on an older car.

But that’s not always the case.

There are other factors besides age and value that determine the rate you pay and these changes can often offset the savings you see with an older vehicle.

I need to talk to a Real Person

Chat
Call Us
Does my Auto Insurance cover a Rental Car?2018-03-02T19:24:41+00:00

This is one of our most often asked questions. In fact, we wrote a whole blog post all about it.

Rental car coverage can be a bit tricky, but the simple answer is the coverages you have on your own car will transfer to the rental car. With some exceptions.

So, if you have comprehensive and collision coverage on your personal auto, then you will have comp and collision coverage for the rental car.

There is never coverage for “loss of use” for the rental company. Meaning, if you wreck one of their cars, they won’t be able to rent it out while it’s being fixed. The rental car company will want to pass that loss on to you.

Also, if you are renting a car for business, there are additional limitations on coverage.

When in doubt, purchase the insurance from the rental car company. Then there will be no questions as to what is covered and what isn’t.

For additional information, check out our blog post or schedule a time to chat with your Agent.

I need to talk to a Real Person

Chat
Call Us

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