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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us.

  1. Why should I use an agent when purchasing insurance?
  2. Is it necessary for me to buy car insurance if my car's market value is low?
  3. Is there a difference between collision physical damage coverage and comprehensive physical damage coverage?
  4. What influences the cost of my car insurance?
  5. What can I do to lower the cost of my home insurance policy?
  6. What is covered under homeowners insurance?
  7. Is my personal property covered only in certain locations?
  8. Must I buy earthquake coverage?
Why should I use an agent when purchasing insurance?
By using an independent agent, you receive more individualized care which in turn means better service. This benefits you because whether it is purchasing insurance or filing a claim you are our first priority and we are here to answer any question that may arise in the process.

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Is it necessary for me to buy car insurance if my car's market value is low?
Most states mandate that drivers have at least some car liability insurance. This is so victims of car accidents receive compensation if the driver is at fault.



If the car's market value is low then there is a possibility that repairing the damages may cause more than the car itself. In this scenario, your insurer will just "total" the car and write you a check for the car's value minus the deductible. You may instead consider dropping collision coverage due to the low cost of your car.

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Is there a difference between collision physical damage coverage and comprehensive physical damage coverage?
If your car impacts or hits another car or object then you will incur charges under collision physical damage coverage.

Comprehensive physical damage coverage on the other hand covers you for any physical damage you could endure. For example, severe weather that damages your car is covered by comprehensive physical damage coverage.

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What influences the cost of my car insurance?
Insurers assess several factors when estimating the cost of your car insurance.



Some obvious  factors include: The car you drive, the purpose for having the car, your driving record, your age, and where the car is stationed.



Some less obvious factors include: Marital status, population of town or city, and even gender.



These factors affect your cost of insurance based on facts. For example, statistics show that married couples tend to have less accidents than single individuals, and that women on average (from age 18-25) have less accidents than males.



If you live in a town or city that's densely populated, the chances are that the vehicle theft rate is higher than in a rural area, thus your insurance cost will be higher.

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What can I do to lower the cost of my home insurance policy?
One thing you can do to lower the cost on your home insurance policy is to raise your deductible anywhere ranging from $250.00 to $500.00. 

Other tips include checking to see if your insurer gives discounts if you bundle your car and home insurance policy, and securing your home by adding a security system.

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What is covered under homeowners insurance?
A typical homeowners policy has two sections. 

Section I covers the property itself while Section II provides personal liability coverage for the person(s) insured.

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Is my personal property covered only in certain locations?
No, generally your personal property coverage follows you wherever you go. 

Say that when abroad you find a cabinet you really like and decide to buy it and ship it home. That cabinet is protected under your homeowners policy for "named perils" even though the cabinet hasn't been in your home yet.

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Must I buy earthquake coverage?
In short, no.

The standard homeowner's policy does not cover "earth movement." Earth movement includes but is not limited to earthquakes and other natural disasters such as volcanic seismic activity. 

If you live in a high risk area and believe earthquake coverage is appropriate for you, then coverage may be available at an additional charge.

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