General FAQ

 

Q: What kinds of questions should I be expected to answer when I apply for an insurance policy? Why do insurers need so much information?
 

A: When you apply for an insurance policy, you'll be asked a number of questions. Among other things, the agent might ask you your name, date of birth, social security number, gender and address.
 

When an insurance company is deciding whether or not to offer automobile insurance to a potential customer, they want to know about the person's previous insurance history, driving record, whether they have any recent accidents or tickets and what type of car is to be insured.
 

Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than a young driver with traffic tickets. In order to determine which program you qualify for, an insurance company needs basic information about you.
 

In addition to your age, gender, and driving experience, they will also need information about the vehicle you drive . For example, a large luxury car costs more to repair or replace than a sub-compact and someone who commutes 30 miles each way is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.
 

Q: What are the advantages to using an agent to purchase insurance?
 

A: By using an independent "Trusted Choice" agent to purchase insurance, the policy holder receives more personal service. An independent agent  can market your policy to a variety  of different insurance carriers, thereby getting you the best coverage for the best price.