Frequently Asked Questions


What factors affect my auto insurance premium?

Your driving record.  Accidents and tickets can raise your rates.

How much you use your car.  The more miles you drive, the more chance for accidents.

Where your car is parked and where you live.  Theft, vandalism, weather losses, repair costs, and medical costs vary by location.

Your age or driving experience.  Inexperienced drivers have more claims.

Your gender.  Men have more claims than women.

The car you drive.  Your car’s value, safety rating, and likelihood of causing injury to another all affect your rates.

The type and amount of coverage.  Liability limits, property coverages, and deductibles will affect your rates.

Does my home insurance cover damage caused by earthquake or flood?
What is the difference between water damage and flood damage?
Does renters insurance pay my rent if I can’t on some months?
Which part of my condo am I responsible for?
What is umbrella insurance?
When would I need umbrella insurance?