Why do I need to provide my Social Security number to receive a quote?
The main reason your social security number is needed for an accurate insurance quote is that most insurance companies use a loss sharing service called CLUE (Comprehensive Loss Underwriting Exchange). Any prior losses or claims will be stored here under your social security number.Back to TopWhat information do I need to get an auto insurance quote?
Year, Make, Model, Body style or VIN (Vehicle Information Number), Mileage, Ownership, Garaged address, Name of registered owner, Prior insurance carrier and expiration date, Date of purchase.Back to TopDoes getting car insurance quotes affect credit?
Insurance quotes do not affect credit scores. Even though insurance companies check your credit during the quote process, they use a type of inquiry called a soft pull that does not show up to lenders.Back to TopWhy everyone in my household needs to be listed under my policy
You need to inform insurer of all household members. For coverage purposes, all family members of driving age who are residents of the household normally must be listed. This is to protect both you and the insurance company providing you with coverage.Back to TopWhy does my premium increase?
Insurance premiums may increase after the policy period ends. The insurer may increase the premium for claims made during the previous period if the risk associated with offering a particular type of insurance increases, or if the cost of providing coverage increases.Back to TopHow can I receive discount on my policy?
Antitheft Devices, Auto and Homeowners Coverage with the Same Company, College Students away from Home, Defensive Driving Courses, Drivers Ed Courses, Good Credit Record, Higher deductibles, Low Annual Mileage, more than 1 car, No Accidents in 3 Years, No Moving Violations in 3 Years, Student Drivers with Good GradesBack to TopWhen I set up for Automatic Payment do I receive a discount?
Many companies offer discount for going paperless, also your bills automatically get paid on time, so AutoPay can help you avoid late fee charges that potentially damage your credit score. Back to TopWhat is Defensive Driving Course?
Defensive driving is often used for points reduction in Georgia. Still, many drivers who have no points on their record may be interested in completing a defensive driving course for personal knowledge as well as an insurance discount. Most will offer you a free quote if you’re not a customer yet. Many insurance companies offer a safe driver discount to drivers who have completed a voluntary defensive driving course. Most discounts are available to mature or teenage drivers, but all drivers may be eligible.Back to TopIs full coverage different than liability?
There's a big difference when it comes to liability insurance vs. full coverage. ... Liability covers you for accidents you cause, but full coverage protects you in other important ways as well. If you own your car outright, the choice can be up to you to set the coverage limits that best protect you and your family.Back to TopIs dwelling insurance the same as homeowners’ insurance?
Homeowners insurance covers personal property and provides personal liability protection as standard, as well as coverage over the building itself. Dwelling insurance covers only the buildingBack to TopHow can I save on my home insurance?
Raise your deductible, bring over your car insurance, get an alarm system, pay annuallyBack to TopWhat does a homeowners insurance policy typically cover?
A standard homeowners insurance policy provides coverage to repair or replace your home and its contents in the event of damage. That usually includes damage resulting from fire, smoke, theft or vandalism, or damage caused by a weather event such as lightning, wind, or hail.Back to TopWhen do I need Flood Insurance?
When your home is in a high-risk flood area, and you have a mortgage from a federally regulated or insured lenderBack to TopWhat does General Liability cover?
General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services, or operations. It may also cover you if you are held liable for damages to your landlord's property.Back to TopWhat is professional liability insurance and who needs it?
Professional liability insurance is coverage that protects business professionals such as attorneys, consultants, and accountants from claims of negligence or misconduct related to the services they provide. It's often referred to as errors and omissions (E&O) insurance.Back to TopWhat is workers compensation insurance coverage?
It covers any occupational sickness or accident arising during employment that results in incurring medical expenses and loss of wages. In addition to basic cover, you can protect yourself as the employer against any claim made by the employee.Back to TopWhat is the meaning of annuity in insurance?
An annuity is a plan that helps you to get a regular payment for life after making a lump sum investment. The life insurance company invests the money of the investor and pays back the returns generated from it.Back to TopWhich one is better whole life or term life?
Term coverage only protects you for a limited number of years, while whole life provides lifelong protection—if you can keep up with the premium payments. Whole life premiums can cost five to 15 times more than term policies with the same death benefit, so they may not be an option for budget-conscious consumers.Back to TopWhat is Juvenile Insurance?
Juvenile life insurance, also called Children's whole life insurance, is permanent life insurance that insures children under age 18.Back to TopWhat does pet insurance generally cover?
A typical pet insurance policy will cover:
Treatment for your pet if it suffers illness, injury, or disease. The purchase price if your pet dies due to an accidental injury. An element of third-party liability cover, usually applicable to dogs only, for injury to third parties or damage to their property.Back to TopDoes pet insurance cover normal vet visits?
A pet health insurance policy that includes a wellness plan will typically help cover the costs of routine veterinary visits, such as exams and preventive care. Pet wellness plans, sometimes called a preventative pet care plan or routine pet care coverage, may be optional on your pet insurance policy.Back to Top