Q: What is an Independent Insurance Agency?
A: An Independent Insurance Agency has several companies that they can approach to get you the best coverage at the best price. Your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
Q: What are the advantages to using an Independent Agency?
A: There are many advantages to using an Independent Agency! We are able to offer very competitve pricing because we have several companies to quote you with. We're also one-stop shopping for all of your insurance needs. Whether you're looking for auto, home, health, life, or commercial insurance we offer a wide range of products. We work for you and will be here to assist you with any issues or questions you may have with your policy.
Q: What constitutes a gap in auto insurance coverage?
A: A gap in auto insurance coverage is any length of time you've had an interruption in your auto insurance coverage. Here are a couple of examples:
- Janie is 28 years old. She has driven since she was 16 and has been covered by auto insurance ever since. Though she's insured different cars with different auto insurance companies over the years, Janie has been continuously insured for 12 years.
- Jessica was insured for 3 years and then lived in Europe for a year. For 1 year, she didn't drive and didn't have auto insurance. Jessica bought and insured a new car 2 years ago. She’s been continuously insured for only those 2 years, since there was a 1-year gap in her auto insurance.
|
Changing insurance carriers or insuring different cars doesn’t constitute a gap in coverage, unless you let your auto insurance lapse at some point. Being listed on your parents' auto insurance policy also counts toward continuous coverage.
Q: What kind of violations will be cleared from my driving record?
A: None of us want to have a violation on our driving record, but sometimes we find ourselves in sticky situations, nonetheless. Thus, your driving record plays a large role when you get online auto insurance quotes. Depending on the violation, you could see a big increase in your auto insurance quote, and it can take 3 years, or more, to have a violation cleared from your record. Luckily, in some cases there are ways to get a violation removed from your driving record before it causes your auto insurance to go up.
If you’ve received a minor speeding ticket, there are a couple things you can do to try to get it off your record. One option is to contest the ticket in court. Doing so could improve your chances of getting your ticket dismissed (especially if you attend your hearing and the police officer that issued the ticket doesn’t show). Another option is to attend traffic school. Once you’ve completed your course, the violation will be removed from your record. Some traffic schools are even offered online for your convenience. Driving with damaged equipment, such as a broken taillight, is cause for a ticket, as well. However, if you fix the damaged equipment listed in a citation and the authorities then dismiss the charges, the violation will also be removed from your driving record. If you’re unable to present proof of your auto insurance coverage when you get pulled over, it can lead to a mighty big ticket. However, if you eventually show yourself to be in compliance with regulations, the authorities may then dismiss the charges.
If you’ve received a minor speeding ticket, there are a couple things you can do to try to get it off your record. One option is to contest the ticket in court. Doing so could improve your chances of getting your ticket dismissed (especially if you attend your hearing and the police officer that issued the ticket doesn’t show). Another option is to attend traffic school. Once you’ve completed your course, the violation will be removed from your record. Some traffic schools are even offered online for your convenience. Driving with damaged equipment, such as a broken taillight, is cause for a ticket, as well. However, if you fix the damaged equipment listed in a citation and the authorities then dismiss the charges, the violation will also be removed from your driving record. If you’re unable to present proof of your auto insurance coverage when you get pulled over, it can lead to a mighty big ticket. However, if you eventually show yourself to be in compliance with regulations, the authorities may then dismiss the charges.