Auto Insurance FAQs

There are two ways to get a quote, you can call us at (877) 334-7646, or you can start your quote online. When you start a quote online, it will create a new business support request in our system, and an agent will call you back as soon as possible.

To get the most accurate quote, you’ll need:

• Your vehicle’s make, model, year, and VIN (if available)
• The names, birthdates, and driver’s license numbers of all drivers in your household
• Your current insurance policy details (if applicable)
• Your driving history, including accidents and violations

Most quotes take just a few minutes when done online. If you’re speaking with an agent, it may take longer depending on the level of customization you need.

Yes, but it may be limited. Some insurers require a valid driver’s license to issue a policy, while others may allow you to purchase a policy for a permitted driver or for a vehicle that’s not actively being driven.

You can’t purchase your auto insurance online. We’re an insurance agency, not the carrier. You can start a quote online, but to purchase, one of our insurance agents will have to assist.

Your coverage begins as soon as you complete your purchase and select an effective date. If you’re switching from another policy, ensure there’s no lapse in coverage.

Yes. Most states require liability insurance at a minimum, even if you own your vehicle outright. Full coverage may not be necessary unless you want protection against theft or damage.

Yes, you can switch insurers at any time. However, check if there are any cancellation fees with your current provider, and ensure you have new coverage in place before canceling your old policy.

Yes, absolutely. Auto insurance rates vary based on the type of car you drive. Vehicles with higher repair costs, powerful engines, or a greater risk of theft tend to have higher premiums. For example, convertibles often cost more to insure due to their structure, performance, and vulnerability to theft or vandalism.

You can request changes to your policy by visiting our support page and completing the appropriate form. You can also click the chat icon for live support between 9 AM and 5 PM PT.

If you like to speak with us, you can call us at (877) 334-7646.

Through our online support page, you can request changes such as:

• Adding or removing a vehicle
• Adding or removing a driver
• Updating your address
• Adjusting coverage limits
• Requesting an ID card or policy documents

To add a driver, visit our support page and submit a request. We’ll review the request and confirm any changes in premium before updating your policy. You can also request support using our live chat in the right, bottom corner of this page between 9 AM to 5 PM PT.

Of course, you can call us at (877) 334-7646 to get live support.

Yes, but some insurers require proof that the driver is insured elsewhere or no longer resides in your household. Submit your request on our support page, use the chat in the bottom, right corner of this page between 9 AM to 5 PM PT.

If you want to discuss the change, you can call us at (877) 334-7646.

The best option is to download the insurance carrier’s mobile app. On their app, you can typically request a new ID Card or they provide you a “digital ID card.”

If you need our assistance, visit our support page or contact our team at (877) 334-7646.

Comfortable with live chat? You can access our chat support by using the live chat in the bottom, right corner of this page between 9 AM to 5 PM PT.

You can request a policy cancellation by submitting a request on our support page. Keep in mind that canceling your policy without a new one in place may result in a lapse in coverage, which could lead to penalties or higher future rates.

Also, some carriers will require a signed notice of cancellation, in that case, we’ll send you an e-signature form to complete the cancellation.

Learn more about canceling an auto insurance policy.

If you need to file a claim, contact your insurance carrier directly. You can find all the resources to contact your insurance carrier’s claims department on our claims resource page. Your insurer’s claims department can provide the next steps, including repair options and rental car availability.

You can find a detailed breakdown on our auto insurance coverage page. Most policies include:

• Liability coverage (required in most states)
• Collision coverage (for damage to your vehicle from accidents)
• Comprehensive coverage (for theft, vandalism, or non-collision damage)
• Uninsured/underinsured motorist coverage (protects you if the at-fault driver lacks insurance)
• Medical payments or personal injury protection (PIP) (covers medical expenses)

If you have a loan or lease, your lender may require full coverage (comprehensive + collision). If you own your car outright, liability is the minimum required, but full coverage may still be a good option to protect your investment.

• Collision pays for damage to your car from an accident, regardless of fault.
• Comprehensive covers non-collision damage, such as theft, fire, vandalism, or weather-related damage.

It depends. Some policies extend coverage to rental cars, while others require you to purchase rental car insurance. Check with your insurer to confirm your coverage.

Most insurers require the policyholder to have an insurable interest in the vehicle, meaning you must own or lease the car. Some exceptions apply for family members.

There is a wide variety of discounts, and they vary by insurance carrier. We break down many of those discounts on our auto insurance discounts page. Generally, they all offer discounts for:

• Safe driver discounts
• Multi-policy (bundling auto & home) discounts
• Multi-vehicle discounts
• Good student discounts
• Defensive driving course discounts
• Low mileage discounts

Accident forgiveness prevents your premium from increasing after your first at-fault accident. Not all insurers offer this, and eligibility depends on your driving record.

In many states, insurers use credit-based insurance scores as part of the insurance pricing process. However, some states restrict or prohibit this practice. If you live in California, credit is not allowed for private passenger auto insurance.

A lapse in coverage can lead to higher future premiums, potential fines, and even license suspension in some states. If your policy is about to lapse, contact us immediately to explore your options.