There’s a myth many salesmen still tell that you have 30 days to add a new vehicle to your policy. That’s not true!

Each carrier and situation is different. Many policies have a small window of 2-4 days to have insurance placed on a new purchase. If you wait longer to add the vehicle and in the meantime you get in an accident, you won’t have coverage.

If you have a loan on the vehicle, many banks require the vehicle is insured the day of purchase. If not, they may add forced placed insurance to your loan for that initial time period which costs much more than just adding it to your policy.

Pro tip: Add your new vehicle the day you buy it or as soon as you can. Don’t take the risk!

If you have comprehensive coverage for your vehicle, yes! Some insurance companies offer full glass coverage where all costs, including rock chip repair, are covered. Others may have a low deductible specific to glass claims. Check your policy to see if you have full glass coverage or a specific glass claim deductible.

On all other policies, a glass claim would be considered a comprehensive claim and your deductible would be required. If you aren’t sure how much the repair will cost, call around for an estimate and weigh that cost against your deductible to see if it would be worth a claim to your insurance. Most comprehensive/glass claims won’t increase your premium rates.

We can also recommend local auto glass repair companies that waive the first $100 of your deductible so you can save some money. They would also file the claim directly with your insurance. Check out our trusted referral directory for more information.

We always recommend towing coverage for auto policies, an added coverage that costs very little but can save you a lot of stress. If your car breaks down, even due to normal wear and tear, you can use your tow coverage to have the vehicle towed to your home or a repair shop.

The specific coverage amounts can vary per policy or company, but most insurance policies will cover $100 worth of towing, which is usually sufficient to get your car to the closest repair shop.

Your insurance ID card should have information on filing tow claims and a number to call to get one started. Most insurance companies allow you to use the tow company of your choice and you can see if the tow company can bill to your insurance or you can submit the receipt to your insurance for reimbursement.

Yes! If you have the VIN or know the make, model, and year of car you plan to buy, we can run the numbers of adding that car to your policy with the coverages you would like. We cannot guarantee a rate until we have the exact VIN number and know what date it will be added to the policy, but the more information you can provide, the more accurate your estimate will be.

Just give us a call and any of our agents would be happy to go through that with you, even if you never end up buying the car. We understand that you want to see the full picture before making a big financial commitment like that.

Yes, but we don’t recommend it if it can be avoided. If your vehicle is insured, anyone you trust to borrow your car (temporarily and not for any financial gain) will be covered under your insurance as “permissive use.” Car insurance follows the car, not the driver, so if you let someone borrow your vehicle, you are on the hook for anything they do.

Regardless of how much you trust this friend or family member, if you let them borrow your car and they are at fault in an accident, your insurance will pay the price and you’ll deal with the consequences of having a claims history with your insurance. Most insurances also weigh “permissive use” claims more heavily than claims with named drivers on the policy and your rates could significantly increase or you may be non-renewed if you have multiple.

Renting out your car: Your personal auto policy will not cover you at all. Do not rent out your personal vehicle with a third party car rental company like Turo, without first speaking to your insurance agent.

Most homeowners policies don’t cover damage caused by “earth movement,” a term that includes earthquakes, volcanic activity, and landslides.

Your insurance carrier may offer earth movement coverage as an endorsement to your homeowners policy with an additional charge, but many don’t. If that’s the case, we can quote a separate insurance policy for you. Premiums largely depend on the replacement cost of the home, how it was constructed, and what area it is in.

Yes. Filing a claim will most likely increase your yearly premiums regardless of how much your insurance company paid toward the claim. Rate increases would likely happen at the next renewal after filing the claim. Having a history of multiple home claims can also lead to your insurance company choosing not to renew your policy with them and also make it difficult to find another carrier for coverage. This is why we advise our customers to carefully weigh the cost of paying out of pocket for more affordable repairs as opposed to filing a claim.

It may seem unfair to be “punished” for using your insurance, but some claims can cost hundreds of thousands of dollars- more than you will ever pay your insurance company back in premium payments. Raising your individual rates makes it so they can continue to afford to pay claims without having to increase rates for every one of their customers.