[icon icon=”fa fa-question-circle” position=”icon-left” icon_size=”50″ title=”Below are some FAQ’s to help you find out what you need to know. If you don’t see your question here, feel free to ask!”][/icon]

Is my state's minimum required auto liability insurance enough coverage?

Each state has its own set of requirements for the minimum amount of liability insurance a motorist can hold, which may prove to fall short if you are involved in a costly claim. It is always important to discuss the most appropriate coverage limits for your specific situation with your knowledgeable insurance agent.

How can I make my auto insurance more affordable?

There are a handful of auto insurance discounts available to motorists to make coverage more affordable. Be sure to discuss which auto insurance discounts you qualify for with your agent to ensure you are accurately represented. You can also increase your deductible to make your monthly premium less expensive; however, it is important to choose a deductible that you would feel comfortable paying should a loss occur.

What auto insurance discounts are available to make my coverage less expensive after adding my teen to my policy?

The Good Student Discount is available to teen drivers who maintain a 3.0 GPA/B Average in school. These discounts are awarded to both high school and college students, as long as they can provide evidence of their scholarly merit.

What is the difference between replacement cost and actual cash value for homeowners insurance?

Covered losses are either paid on a replacement cost basis or an actual cash value basis. Actual cash value refers to compensation that includes the depreciated value of the damaged property. In contrast, replacement cost reimbursement ensures the insured is compensated at the amount it would actually cost to replace the damaged property at current prices.