Insurance FAQs

The factors that impact the cost of auto insurance include the town where you live, the car you drive, the coverage amount, your deductible amount, and your driving record. These are just some of the factors that all insurance companies consider when determining your premiums.

It depends on whether you have a mortgage or not. When you have a mortgage, the mortgage provider requires it. This helps ensure they will get their investment money back should something bad happen to the house. If you do not have a mortgage, the decision to have homeowners’ insurance is up to you. We always recommend it because the cost of repairs for significant damage can be too much to handle without some extra help.

There are a few things that you can do to lower your car insurance premiums such as taking a defensive driving course, raising your deductible amount, lowering your coverage amounts, and paying for your full term of insurance upfront.

Some things to help lower your home insurance costs include raising your deductible, lowering coverage levels, investing in a home security system, and using quality materials for home repairs.  

A defensive driving course, also known as a smart driver course, is an educational program designed to teach drivers how to be proactive about their safety on the road. This can include tips on how to react to other drivers who act hostile towards you, safe driving techniques, and basic car maintenance tips.