Frequently Asked Insurance Questions
Can I add or remove coverage’s in the middle of my policy?
Yes — it’s easy to change your policy, too! Most policies can be accessed online to add or remove vehicles or drivers, change addresses, pay bills, and more. Or, call us at 907-276-9600. We open Monday through Friday from 9-5pm. If it is a Progressive policy you can also call Progressive, they’re open 24 hours a day 7 days a week at 1-800-PROGRESSIVE (1-800-776-4737) and a Progressive insurance representative can help you. Keep in mind that some changes will affect the price you pay for insurance, so your premium may change.
How are insurance rates determined?
Insurance companies use groups of customers based on similar characteristics, evaluates their claims experiences within these groups, and determines what to charge individuals with characteristics similar to members of the group. They charge a higher rate for customers more likely to have claims, and a lower rate for customers less likely to have claims.
Insurance scores, your driving record, type of vehicle, where you live, your gender, your age and other factors.
How much insurance coverage do I need?
Your individual needs and situation should dictate how much insurance you need. When you’re trying to determine how much insurance to buy, here are a few factors to think about:
• How much can you afford to pay out of pocket? (Choose a deductible that you know you can pay out of pocket. Also, if you choose lower limits, you might be personally responsible for damages that exceed those limits. Consider whether you can afford this possibility, too.)
• Do you make payments on your car? (If you do, you may be required to have Comprehensive and Collision in addition to Liability coverage.)
• What type of vehicle do you drive? (It’s wise to have higher limits for vehicles, such as large SUVs, that can cause more damage.)
• Do any drivers live in your house but never drive your vehicles? (You can exclude them from coverage on your policy, which means you won’t have to insure them on your policy.)
How quickly do changes I make go into effect?
If you make a change to your policy, the change can be effective immediately, or in some situations, you can choose the effective date. Certain restrictions can apply to some changes requested and/or made.
What is non-owner SR-22 insurance?
Even if you’re required to carry SR-22 and you don’t own a vehicle you can still get insurance. This is called a non-owners SR-22 insurance policy. This type of insurance policy only covers liability up to the limits purchased. It does not cover the vehicle that you are driving, only the liability that you the driver may cause if you are involved in an accident with another motorist or cause property damage. You may also purchase uninsured motorist and medical payment coverage’s. This type of policy does not cover any vehicles that are garaged in the same household in which you reside in.
Why did my rate change after I received a quote?
Several factors could influence why your rate changed between the time you received your quote and the time you decided to purchase your policy. If it’s been a few months since you received your quote, it’s possible we revised rates in your area, which could decrease or increase the price you pay for auto insurance. If you received a quote recently, it’s possible something on your driving record — or the driving records of others on your policy — prompted a change in the quoted price.