FAQs - Answers To Your Car Insurance Questions

What kind of identification do I need to purchase insurance?

Depending on the state that you are in and the type of license you have, you can probably obtain insurance coverage. Often people are very concerned that they will not be able to get insurance because they do not have a U.S. license. We have a wide array of companies and each company has different underwriting guidelines. If you have a matricula, state id, passport, foreign license, a suspended license, a credencial para votar, or an international license, we can probably find a company that will accept you for coverage. It is important to remember that to drive legally in the United States, you must have a valid drivers license. Some states require an International Driving Permit (IDP) from foreign nationals, in addition to a valid license from your own country. Check with the motor vehicle department of each state you will drive in for its requirements. US.gov provides a helpful link to access the various state websites so you can look into the matter:
https://www.usa.gov/motor-vehicle-services
If you are a visitor or a foreign national driving in the United States, click here:
https://www.usa.gov/visitors
or here:
https://www.usa.gov/visitors-driving#item-37267
We want to make sure that we find the right company for you, so please let us help you by giving you a quote!

What to do when your insurance company nonrenews your policy?

It happens every week at our office, we get a new customer who was nonrenewed by their previous company. We spend time going over their former policy with them, and there insurance needs and place them with one of our companies. We make there effective date the same day as their expiration date of their former policy. We do this because we want to make sure they get a proof of prior insurance discount. In other words, we are able to give them a discount right off the bat with our company as long as they had six months of continuous coverage with their previous company. Often companies will nonrenew a customer because they have one accident or a couple of speeding tickets. Fortunately, we can simply roll you to another company. The difference between us and the other guy is that we can offer not only a proof of prior insurance discount, but also an interagency transfer discount. That means that you don’t have to find another company if you are nonrenewed. We have customers that have been with us for a long time. Some have unfortunately had an accident or two, but we were able to retain them as customers because we have some many good companies we can place them with. So don’t worry if you have a bad driving history, let us try and place you with one of our companies.

Why is my insurance so expensive?

We roll a lot of customers over from other companies. The scenario works like this. They bring in copies of their license, their titles, and the insurance from their former company. They are usually frustrated. They show us the price they were being charged, and we can’t help but smile. Often they were being overcharged for an accident or a speeding ticket. Sadly, many times companies will rate their policies significantly higher due to a customer’s credit rating. That might feel like a punishment to a young person who hasn’t had a chance to develop their credit rating. Well, if that is the case for you. We want to help. We have a variety of companies. Many of them don’t rate based on credit. That means we can often give younger drivers a better rate than their current company. Imagine how much money you can save if you save 30 or 40 dollars a month over the three or four years. You do the math. That is a significant chunk of change. Give us a call and let us see if we can help you out. Get a quote with us today.

Can I get insurance if I have a felony, a DUI, a speeding ticket in a school zone, or had a really bad wreck?

So we get asked these sorts of questions all of the time, can I still get insurance even though I have a DUI (Driving Under the Influence)? Can I get insurance even though I have a felony? I had a bad wreck, will I still be able to get insurance? A police officer gave me a ticket for speeding in a school zone, what can I do now? We think we can help. We have companies that understand the risks involved with insuring someone with a poor driving history. They also understand that in life, bad things happen, and so they will give you a chance to start over with them. We have written policies for people with a variety of backgrounds. So please, don’t feel embarrassed, and don’t be concerned that no one will insure you. Give us a call and find out what your options are. Every week we encounter lots of customers and without fail someone will have a mark on their driving history. Fortunately for them, they found us, and left with coverage. Call and get a quote and find out what we can do for you.

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