Frequently Asked Questions
Do I really need insurance?
Yes! Insurance can help you get back on track after an incident and keep you protected. Although coverage may seem unecessary at times, it can be a good alternative to large expenses in the future.
What is the best coverage?
Each person needs their own coverage that is specific to them. We can help you to have the best coverage for your needs.
What can a quote do?
A quote is an estimate of what your rate could be with a potential insurance carrier. These are subject to change depending on how much information you give at the time of the quote. Typically, 3-5 quotes can help give you an idea on what is available, and you can get yours here.
What impacts my car insurance price?
Price impacts include: teenage drivers, age, vehicle usage, at-fault accidents, not-at-fault and one-car accidents, traffic or speeding tickets, location, coverage selections, how you pay, milage, credit, continuous insurance, and engine size.
What does "full coverage" mean?
Full coverage typically means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not necessarily mean that everything is covered no matter what happens. Your Auto insurance Policy Declaration page lists the coverage you have selected.
What is uninsured mototrist coverage?
Around 13% of drivers do not have auto insurance, so this coverage helps protect you if you are hit by a driver without auto insurance or if the driver does not have enough coverage to pay for any damages or injury they have caused.
What information do you need to get me a quote?
How do I make an online payment?
How do I make a claim?
You can call our Defiance office at 419-782-7176 or our Continental office at 419-596-3848. If you additional help from our partners, you can click here to get in contact with their website, or call their after hours hotline.
How do I know if I have the right coverage?
With your quote, you won't be able to choose coverages that don't apply to you. If you're unsure, you can speak directly with an agent who can answer your questions.
How often should I renew my life insurance policy?
Your life insurance needs can change over time, so periodically chekcing can be beneficial. Some people will check every year, every five years, but you may want to look into updating your policy when your income significantly changes, or if you experience a amajor life change.