Questions About Insurance Answers to Auto Questions About Insurance
I have an older car whose current market value is very low – do I really need to purchase automobile insurance?
Drivers are often required to carry at least some level of automotive liability insurance under state insurance requirements. These regulations were enacted to make sure that those hurt in car accidents are compensated when another person’s negligence was to blame for their losses.
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What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
Losses you experience as a result of your car colliding with another vehicle or an item are referred to as collisions. For instance, your collision coverage will pay for the damages to your automobile if you hit another car in a parking lot.
The majority of additional direct physical damage losses, including theft, are covered by comprehensive. Your comprehensive insurance will, for instance, pay for hailstorm-related car damage.
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What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
Losses you experience as a result of your car colliding with another vehicle or an item are referred to as collisions. For instance, your collision coverage will pay for the damages to your automobile if you hit another car in a parking lot.
The majority of additional direct physical damage losses, including theft, are covered by comprehensive. Your comprehensive insurance will, for instance, pay for hailstorm-related car damage.
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What factors can affect the cost of my automobile insurance?
The price of your auto insurance might vary depending on a variety of factors, some of which are within your control and others which are not.
Your car’s make, model, intended use, driving history, and garage location can all have an impact on how much your vehicle insurance will cost.
Even your relationship status can influence how much insurance will cost you. According to statistics, married people experience accidents less frequently and at a lower cost than single persons.
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What are some practical things I can do to lower the cost of my homeowners insurance?
You can take a variety of actions to reduce the price of your home insurance. Getting your local agent to conduct a thorough analysis of your needs and policy is the simplest course of action. Increasing your deductible is a simple approach to reducing the cost of your homeowners insurance. Your premium may be reduced by up to 5% or 10% if you raise your deductible from $250 to $500.
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Home Insurance Frequently Asked Questions
Questions About Insurance Answers to Homeowners Questions About Insurance
What does homeowners insurance cover?
The two primary portions of a standard homeowners policy are Section I, which covers the insured’s property, and Section II, which covers the insured’s personal liabilities. A lot of people who own or rent property need this kind of insurance. The lender typically demands homeowners insurance in order to grant a mortgage.
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What is the difference between “actual cash value” and “replacement cost”?
Homeowners insurance allows for the payment of covered losses on either an actual cash value basis or a replacement cost basis. The insurance owner is entitled to the depreciated worth of the damaged item when “actual cash value” is utilized. The “replacement cost” coverage reimburses the policyholder for the expense of replacing the item with one of comparable type and quality at the going rate.
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What factors should I consider when purchasing homeowners insurance?
When buying any good or service, there are a lot of things to keep in mind, and insurance isn’t any different.
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Here is a list of factors to take into account when buying homeowners insurance:
Decide what kind and how much insurance you require. Your home should have a coverage maximum equivalent to 100% of its replacement cost. Any reimbursement from your insurance provider will be less than the full cost to rebuild your house if your policy maximum is less than 80% of that amount. You will be required to pay the remaining balance out of your own pocket. Also consider if the restrictions on personal responsibility and property are sufficient for your requirements.
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What are the policy limits (i.e., coverage limits) in the standard homeowners policy?
Up to the insurance limitations, the residence and any structures on the property are covered on an “all hazards” basis. “All risks” indicates that there is coverage, unless the insurance clearly states that it does not, regardless of how your house is harmed or destroyed. The policy owner determines the home coverage limit at the time the insurance is bought. Typically, the additional structure’s insurance limit is 10% of the dwelling’s policy maximum.
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Thank you Lauren. You made my bad day...read moreThank you Lauren. You made my bad day Good . Kindness goes along way
Response from owner: It was our pleasure, Elizabeth! Thank you for the kind words. Happy to help you with your SR22. glad to help with your insurance in Greenville SCread less
Beth M.
7/21/2022
Reasonable pricing, amazing customer service both from staff...read moreReasonable pricing, amazing customer service both from staff and Katie who is my service provider. Highly recommended.read less
Brianna N.
7/21/2021
Amy was amazing gave my wife and I...read moreAmy was amazing gave my wife and I all the options we needed and some other ones we didn’t know about. Very through and knowledgeable with a positive attitude to match just an amazing experience and example of how all insurance agents should conduct themselvesread less
josh w.
7/21/2020
Excellent customer service great rates would recommend awesome...read moreExcellent customer service great rates would recommend awesome thank you very muchread less
Danny P.
7/21/2019
Lauren was a great help thanks
Bo W.
11/16/2022
This is not my first policy through A+....read moreThis is not my first policy through A+. Every single agent is more than helpful giving the best advice from their inside knowledge, to assist my success in whatever current circumstance of life. They are real, honest, friendly, never upselling unnecessarily, patient. I LOVE how they each get to know you personally. During my last policy, when I called up any agent could hear my name and would say "Oh hey, let me pull up your policy with ******" before continuing to pick up the conversation where we left off from the last phone call. They always get back to me within 24 hours if I have questions, etc. I will be with A+ for the rest of my driving career for these reasons and so many more. This company embodies the perfect family owned and operated local business.read less
Ena R.
7/21/2021
My insurance agent, miss Jola, was very professional,...read moreMy insurance agent, miss Jola, was very professional, courteous, and knowledgeable concerning all of my many questions. She worked hard to find me the best rates possible and I would recommend her services to anyone. Thank you Jola -Christopher-read less
MINDRAIL M.
9/14/2022
Jola was so helpful, kind and not to...read moreJola was so helpful, kind and not to mention, patient. Thank you Jola.read less
Tiffany E.
7/21/2020
Service was fast and easy. Lauren was able...read moreService was fast and easy. Lauren was able to work with me in finding the best quote for me. Thanks.read less
michael c.
7/21/2021
I searched and searched for a insurance company...read moreI searched and searched for a insurance company that would give me a reasonable quote without judging me on my past. I finally found it and I have no plans to let it go anytime soon.read less
Josh S.
10/21/2021
Veronica was super helpful with finding me the...read moreVeronica was super helpful with finding me the most affordable car insurance. She answered all my questions and made sure I understood the whole process, since this was new to me! I would definitely recommend her to others!!
Owner Response: Thank you Andrea, we are so happy we could help!
Insurance policy notes: National General was the least expensive for a 2019 Honda CRV - able to provide immediate proof of insurance read less
Andrea I.
6/21/2022
This the single best experience I've ever had...read moreThis the single best experience I've ever had insuring a vehicle. Katie, my agent, explained everything in great detail, gave me the best available options, answered all my questions, and sent all the documentation I needed within minutes.read less
E J.
9/21/2021
Always going above and beyond! They make it...read moreAlways going above and beyond! They make it easy to find the best rate! I will be using them from here on out!read less
Alicia J.
10/08/2022
Ms Katy was a phenomenal woman and I...read moreMs Katy was a phenomenal woman and I will keep in mind on renters insurance for the futureread less
Leshauna L.
7/21/2021
Notes: single landlord age 22 acquire immediate...read moreNotes: single landlord age 22 acquire immediate full coverage insurance while applying military discounts Driver Wisconsin proof of Prior insurance Progressive: Vehicle type covered: Lincolnread less
Juan z.
7/14/2022
Great experience! Highly recommend!
Samantha M.
11/16/2022
Jola Saved me 200$ by switching from progressive!!!!
Kyle M.
12/21/2021
Jola is a very helpful person. Its always...read moreJola is a very helpful person. Its always my pleasure to speak with her and I know my insurance and myself are in good hands with her!read less
DeShawn J.
7/21/2020
Excellent service. Thought getting my own Insurance would...read moreExcellent service. Thought getting my own Insurance would be a headache but with the help of Veronica and Katie it ended up being a breeze. Thank you both.read less
Sam R.
7/14/2022
Over priced
Beth B.
12/08/2022
Lauren was great to work with. I found...read moreLauren was great to work with. I found her to be very patient and helpful as we worked through the best coverage for the right price. I like that one place will check with several companies for the best price, certainly makes insurance shopping easier. Great experience and would definitely recommend to others. Thanks Lauren.read less
RJ K.
7/21/2021
Great customer service
Toni E.
7/21/2021
I’d give them an A+ for finding me...read moreI’d give them an A+ for finding me a good provider and how promptly they did it. Thank you.read less
Johnny G.
3/29/2023
Marlon was awesome and helped me get a...read moreMarlon was awesome and helped me get a great rate, great company!read less
