Frequently Asked Questions

Below are some frequently asked questions, if your questions or concerns is not here, please feel free to contact us.

  1. I bought "full coverage" insurance on my car, so everything is paid for.
  2. I dive my ATV (all-terrain vehicle) all over. I'm sure my homeowners policy covers me.
  3. I've added custome parts to my vehicle, I don't need to change my insurance.
  4. I really love that red car, but I don't want to pay more for my insurance.
I bought "full coverage" insurance on my car, so everything is paid for.
There is no such thing as "full coverage". In most states, only liability insurance is mandatory. There are a lot of other coverage options, so select what you need and can afford based on your personal situtation.

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I dive my ATV (all-terrain vehicle) all over. I'm sure my homeowners policy covers me.
Your homeowners policy may cover your ATV if you have a specific endorsement, but even than, it may not be enough coverage, especially when using the vehicle off your premises. To get the right protection when driving your ATV, condiser a specialty vehicle police.

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I've added custome parts to my vehicle, I don't need to change my insurance.
Chances are you have invested a pretty penny on the custom parts. So remember, custom parts not only make the vehicle look cooler, but they also add value. Be sure to review your policy to make sure there is sufficient coverage for the value of the customization.

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I really love that red car, but I don't want to pay more for my insurance.
Color is not a factor in determining insurance rates, but several factors are, including:
  • Year, make and model of vehicle
  • Miles driven per year
  • Age of the driver
  • Credit history
  • Others on the policy
  • Driving records


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