Questions and Answers

A higher deductible can help  keep your insurance premium down. If you keep your deductible higher, you will pay higher out-of-pocket costs should an accident occur; however, a small increase in your deductible may equal significant savings on your premium—it may even exceed the cost of your deductible.

If you have Allstate Auto Insurance Policy with comprehensive and collision coverage, you can select rental reimbursemet as a coverage option which reimburses you for a car rental for up to 30 days after a covered claim, up to the dollar amount per day that’s shown on your Policy Declarations.  Research has shown that the average…

Having the right motorcycle coverage is very important and also very different from your car insurance, so you will need a separate policy. The good news is you could qualify for a multiple-policy discount. 

If you give someone permission to drive your car and that person crashes, it will be your insurance – not your friend’s policy – that covers the damages. On a personal auto policy, the insurance is generally going to follow the car, and not the driver. So if you lend a vehicle to a friend, and he/she…

The answer is yes, You can always add or remove vehicles, drivers, coverages or make address changes.However, keep in mind that some changes will affect the premium you pay for your auto insurance. Changes that have an effect on your premium will most likely have to be made in the office.

The answer is Yes, with specific limitations.  Personal Property (contents) that is not part of the automobile itself would be covered while in the automobile.  There are special limitations on specific types of contents such as business property.

There are a number of things you can do to lower the cost of your homeowners insurance.  One way to lower the cost of your homeowners insurance is to look for any discounts that you may qualify for. For example, many insurers will offer a discount when you place both your automobile and homeowners insurance…

 If you are planning on renting a car, it is important that you do some research beforehand to determine whether or not to purchase rental car insurance. Most of the time, obtaining it from the rental car agency is going to be more expensive. Knowing your options before you rent the car is beneficial to…

One of the questions we get all of the time is “will a cell phone ticket raise my auto insurance premium?” The answer is no, it will not raise your Auto Insurance premium. However the chances of you getting into an accident increase with cellphone use and an at-fault accident will increase the amount of your premium.…

In general, when moving to a city, you’ll find that suburban areas will be less expensive for auto insurance than the metropolitan areas.  Car insurance providers use statistics about different areas or “territories” as a way to help determine rates. If one area has higher occurrences of hit-and-run accidents, fraudulent claims, accidents, vandalism or theft,…