Frequently Asked Questions

  • Why do you need my address?
    We need your address to give you a accurate quotes. Insurers may price your policy differently depending on where you live. The reason is drivers in certain areas file more claims for accidents, vandalism, and thefts than drivers in other areas.
  • Why do you need my email address?
    Your email address is used to create an account for storing your completed quote. You can use your email address to retrieve your quote at a later date.
  • Why do you need my phone number?
    We need your phone number to contact you in case there's a problem with your quote.
  • Why do you need my vehicle ownership status?
    We need your ownership status to give you accurate quotes and to make sure you're getting the coverage you need. If your vehicle is financed or leased, you may be required to carry additional coverage. Insurers also may price your policy differently depending on your ownership status.
  • What is comprehensive (other than collision) coverage?
    It is a type of coverage that pays for repairs to the insured car. It does so when the car is damaged by something other than a crash. Two examples of damages that comprehensive covers are vandalism and hail damage. It also covers theft.
  • What is collision coverage?
    It is a type of coverage that pays for repairs to the insured car. It does so when the car is damaged in an accident.
  • Why do you need to know how I use my vehicle?
    We need to know how you use your vehicle to give you accurate quotes and to determine what type of policy is right for you. Insurers may price your policy differently depending on how you use your car. In addition, you may need to buy a commercial policy if you use your car mostly for business
  • Why do you need to know about my mileage and/or commute?
    We need to know your mileage to give you accurate quotes. Insurers may price your policy differently depending on how often your car is driven. The reason is cars that are driven more often tend to get into more accidents. As a result, cars that are driven more often may have higher insurance prices. We may ask specific details about your commute because some insurers prefer to use this information rather than annual mileage.
  • Why do you need the year, make, and model of my car?
    We need to know this information to give you accurate quotes. Certain types of cars cost more or less to repair than others. Insurance companies also see more or fewer claims filed for certain types of cars. As a result, insurers will price policies differently depending on how much it tends to cost them to insure that particular vehicle. Insurers may also give you a discount if your car has features like antilock brakes and daytime running lights.
  • Why do you need to know my gender?
    We need to know your gender to give you accurate quotes. Some insurers will charge drivers different prices based on their gender. That's because men usually file more claims than women on average. As a result, men tend to have higher insurance prices. However, this is not always the case.
  • Why do I need to tell you my marital status to get a quote?
    We need your marital status to give you accurate quotes. Some insurers will charge drivers different prices based on their marital status. That's because drivers who are over 25 and married tend to file fewer claims than unmarried drivers on average. As a result, married drivers usually have lower insurance prices. However, this is not always the case.
  • Why do you need my date of birth?
    We need to know your date of birth to determine your age, which is necessary to give you accurate quotes. Insurers may price your policy differently depending on how old you are. Younger drivers tend to file more claims than older drivers. As a result, insurers usually have higher prices for them. However, this is not always the case.
  • Why do you need to know about my profession and education?
    We need this information to give you accurate quotes. Some insurers get fewer claims from drivers with certain occupations, job titles, or education levels. As a result, drivers who fall into those categories may get lower insurance prices. In addition, drivers who are still in school may qualify for a good-student discount.
  • Why are you asking if I own or rent?
    We need this information to give you accurate quotes and to determine if you are eligible for certain discounts. Some insurers offer a "multi-line" discount. If you buy homeowners or renters insurance from the same company you buy your auto insurance from, you may be eligible for this discount.
  • Why are you asking the age I was first licensed?
    We need to know when you were first licensed to give you a more accurate quote and determine if you are eligible for certain discounts. Some insurers will charge drivers different prices based on the length of their driving experience. That's because drivers with more experience tend to file fewer claims. Also, some states require drivers to have at least three years' experience behind the wheel before insurers can give them a good-driver discount.
  • Why do you need to know about my license status?
    We need to know about your current license status and any previous restrictions to give you accurate quotes. It also helps us determine your eligibility with some companies. Some insurers will raise your prices if you have or have had license restrictions. Also, some companies may refuse to insure drivers with restricted licenses.
  • Why do you need to know about previous accidents, violations, and claims?
    We need to know about these incidents to give you accurate quotes. It also helps us determine your eligibility with some cariers. Your driving history is one of the biggest factors insurers look at when pricing your policy. Drivers with better histories behind the wheel usually see lower prices. Insurers may also not offer coverage to drivers who have too many incidents on their record.
  • Why do you need information about my current insurance?
    We need this information to help give you accurate quotes. Some insurers will adjust your prices based on your previous coverage history. If you have never had a gap in coverage, you could see lower prices. If you have had long periods of being uninsured, that could raise your prices.
  • Why are you asking when my current policy expires?
    We need this information to help give you accurate quotes. Some insurers will adjust your prices based on how early you started shopping for a new policy. If you started after your last policy ended, you could see higher prices. If your current policy doesn't expire for a few more weeks, you could see lower prices.
  • What does it mean to ""rate"" or ""exclude"" a driver?
    Rating a driver means you're including them on your policy. This means they'll be covered while driving the vehicles on this policy.

    Excluding a driver means you're excluding coverage for them. This means they won't be covered while driving the vehicles on this policy.
  • Why do you need to know about additional drivers?
    We need this information to give you accurate quotes. Insurers need information about all drivers who may regularly use your car. Many insurers will determine a rate based on the driving history of all drivers in your household.
  • What is bodily injury liability?
    Insurance that pays for treating other people’s injuries that were caused by someone driving your car. It also pays for the cost of an attorney to represent you if you’re sued after an accident.
  • What is property damage liability?
    Insurance that pays for repairing other people’s property damages that were caused by someone driving your car. It also pays for the cost of an attorney to represent you if you’re sued after an accident.
  • What is uninsured motorist coverage?
    Insurance that pays your medical bills from a crash caused by a driver who doesn't have insurance or fled the scene of the accident. It usually does the same for your family and passengers in the same situation.
  • What is underinsured motorist coverage?
    Insurance that helps pay your medical bills from a crash caused by a driver who has insurance, but not enough to cover all your bills. It usually does the same for the medical bills of your family and passengers in the same situation.
  • What's the difference between the limited and full tort options?
    The full tort option allows you to keep your full right to sue other drivers after a crash. The limited option restricts your right to sue for non-economic damages. An example of a non-economic damage is pain and suffering. You may still be able to sue for these damages with the limited option in certain serious crashes. Choosing the limited option usually leads to lower premiums.
  • What is medical payments (or MedPay) coverage?
    Insurance that pays for the medical bills for you and your passengers after a crash.
  • What is towing/labor coverage?
    Insurance that pays a set amount for towing services after your vehicle breaks down or is damaged in a crash.
  • What does it mean to stack uninsured and underinsured motorist benefits?
    Stacking allows you to get more benefits from uninsured or underinsured coverage when you have multiple vehicles on your policy. Stacking lets you multiply the amount of available coverage by the number of cars on your policy with that coverage. Stacking costs extra.
  • What is work loss coverage?
    Insurance that pays you a portion of your lost wages if you are unable to return to work after a crash.
  • What is accidental death and dismemberment coverage?
    Insurance that pays a set amount to a representative of the insured driver if that driver dies from crash-related injuries within 24 months after the accident.
  • What is funeral expense coverage?
    Insurance that helps pay for funeral expenses if you or a family member dies from crash-related injuries.
  • What is coverage for extraordinary medical expenses?
    Insurance that pays for medical and rehabilitation expenses that are over a certain amount.
  • What is uninsured motorist property damage?
    Insurance that pays your repair bills from a crash caused by a driver who doesn't have insurance or fled the scene of the accident. This option is only offered if you don't have collision coverage.
  • Why weren’t you able to find my information?
    There are a number of possible reasons why we couldn’t find your information.  Perhaps you recently moved or we couldn’t find your information.  In some cases, we are only able to find some of your information like vehicles and drivers, but not current coverage information.  This is most likely due to your current carrier not making this information available to us.
It's Easy!
COMPARE
& SAVE
MONDAY-FRIDAY
8AM - 11PM EST
SATURDAY
8AM - 7PM EST