Q. What policy types do you offer?

A. We offer most Property and Casualty policy types including:

* Automobile
* Property (homeowners, renters, condominium)
* Personal umbrella
* Residential fire
* Landlord package
* Boat
* Specialty vehicle
* Life*
* Annuity*

*Currently, only select life and annuity policies can be registered with limited functionality.We'll continue to add more capabilities to enhance the level of service we provide. Please check back often. At this time, the following cannot be registered: Commercial, Motor Club, Parts & Labor and Allstate Canada.

Q. Can I get a quote online?

A. Yes, just click the get a quote link in the menu."

Q. How does my driving record affect my insurance premium?

A. The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.

Q. What happens to me if I drive without auto insurance?

A. If you are involved in an auto accident or stopped by a police officer and found to be driving without car insurance or proof of financial responsibility, you will be subject to penalties specific to the laws of your state. For violation of the financial responsibility law, those penalties could include a fine or loss of driving privileges. If you are uninsured and in an accident that involves property damage or injuries to people, you will be required to pay out of-pocket for any damages assessed by a court.

Q. What is auto insurance?

A. Auto insurance is a contract with an insurance company that can protect you against severe financial loss if you are ever in an auto accident. Varying types of coverage act as a ?bumper? against various accident-related expenses, like liability, medical costs, damage to vehicles, and property damage.

Q. What are the basic types of auto insurance coverage?

A. The basic types of auto insurance coverages are:

1. bodily injury liability, which provides coverage for bodily injury claims from the people you might injure in an accident

2. property damage liability, which covers any property damages to third parties -- such as another person's car you damage -- which you cause or are responsible for

3. medical payments to the policy owner and other passengers in the policy owner’s car

4. uninsured and underinsured motorist coverage, which protects you when the negligent driver has no insurance or insufficient insurance (in most states, this covers only bodily injury losses -- though some states also include property damage losses)

5. physical damage covers damage to your car

a. collision, which covers losses to your car when you are involved in a collision

b. comprehensive, which covers most non-collision physical damage to your car (if your car is damaged in a storm, or a windshield breaks, for example).