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Frequently Asked Questions
Below is a list of frequently asked insurance questions (FAQ).
Why should I insure with USAgencies?
Answer: USAgencies is part of the Confie family of companies, a group of products and services that have served the community for over a quarter century. We are proud to be the only company licensed to sell auto insurance on a national level.
USAgencies partners with a variety of insurance carriers and, through our personalized service, we help you and your family find the right policy at the best price.
Simply give us a call at 800-420-3712 and one of our agents will be happy to assist you.
How long will it take to start insurance?
Answer: You can buy an insurance policy in less than five minutes, using your credit or debit card. You may also start an insurance policy over the phone. Simply give us a call at 800-420-3712and one of our agents will be happy to assist you with purchasing a policy that will become active at 12:01am (CST), the day after enrollment.
How can I pay for my insurance?
Answer: Paying for your insurance is easy and can be done the following ways:
Over the phone: All you have to do is call the phone number listed on your policy information and you’ll be able to make a payment. Payments can be made using a credit card, a debit card, a pre-paid card.
Online: You can make your payment directly from the USAgencies website, by debit card, or credit card. Access your account by entering your Account Number and Zip Code, and selecting Make a Payment.
At a local office: Payments are accepted by credit card, debit card, check, cash, and money order. Please have the exact amount when paying with cash or money order.
By Mail: Send your check or money order to the address listed on your policy.
What happens if I pay for my insurance policy after the due date?
Answer: Each insurance company has their own policy when it comes to overdue or late payments. Some will charge you a late fee and others may go ahead and cancel your policy immediately if a payment is not made by the due date. Others may give you a short grace period such as a week or a month, before they cancel your policy.
If you cannot make a payment on time, please contact us before the due date in order for us to review your options. Give us a call at 844-209-3458 and one of our agents will be happy to assist you.
Do insurance companies self-regulate?
Answer: Yes, insurance is subject to State regulation. This means they monitor companies for fair pricing of insurance, protecting insurance company solvency, preventing unfair practices by insurance companies, and ensuring availability of insurance coverage. All states have the power to approve insurance rates; to periodically conduct financial examinations of insurers; to license companies, agents, and brokers; and to monitor and regulate claims handling. This also means insurance companies are required to honor the fees they charge their customers.
Will my insurance get cancelled if I am in an accident?
Answer: Generally, your insurance carrier will not cancel your policy because you were in an accident. When you file a claim, the carrier will carefully review your policy and your driving history to make sure your policy is still appropriate. If it will be affected, you will receive a notice detailing the changes, approximately 30 days before the new policy takes effect.
How does USAgencies determine which auto insurance policy best suits my needs?
Answer: USAgencies works for you – our trained and licensed agents research a variety of carriers to help you find the policy best suited to your needs and budget. Some of the things taken into consideration when determining the best auto insurance product for you include: which city and state you live in, your driving record, the type of vehicle you drive, your residence, age, gender, marital status and other factors. These factors help the insurance carrier get an overall picture of your lifestyle and determine your risk factor, which in turn affects your insurance rate.
Do all companies offer the same coverage and discounts?
Answer: No, not all companies are able to offer the same coverage and discounts. At USAgencies we carefully research and partner with carriers that can provide our customers with the best coverage options and rates available. Because of our relationships, we are often able to offer lower premiums and better discounts that may not be available through other companies or by purchasing directly from the carrier. And, because our agents are professionally licensed and trained, they know what information to include in policies, so customers have the exact coverage they need, and don’t overspend getting something they could really do without.
How do I determine what type of auto insurance coverage I need?
Answer: Insurance policies vary greatly depending on a customer’s needs and budget. Our professionally trained agents can help you make sure you’re covered for an amount equal to the total value of your assets so you’re covered in the event of an incident, but you’re not overpaying for something you may not need.
Take into consideration how much are you willing to spend: If you have plenty of savings and are willing to take the risk that you may have higher out-of-pocket expenses after an incident, you could choose an insurance premium with a higher deductible and a lower monthly payment. If you have limited resources and don’t want to run the risk of paying much out-of-pocket after an incident, you could choose a policy with a lower deductible and slightly higher monthly premiums. Also, be aware of your policy limits. If you choose low limits, you may end up paying out-of-pocket for the difference between what your policy covers and the actual damage.
Coverage Types:
Liability Coverage does not pay for is any damage to your own vehicle or costs related to your own injuries from an accident you cause. This type of coverage is designed to protect you if you are found to be at fault for an accident involving injuries and damage to someone else and their property – as well as provide you with legal defense in the event the other party files a lawsuit against you.
Collision Coverage will pay for the repairs to your own car if you are the one who is at fault in the accident. Collision coverage is usually the most expensive type of auto insurance. Insurance will usually give you only the actual cash value of your car and not the amount that you will have to spend to replace your car. If you have an older car that does not have a very high actual value, it will probably not be worth it for you to have collision coverage.
Comprehensive Coverage pays for damage to your car that was caused by events other than a car accident. Covered events can include theft, fire, vandalism, and natural disasters. Comprehensive coverage, like collision coverage, usually insures only the actual value of your car and not the replacement value. If your car has a very low value, paying the high premiums of comprehensive coverage may not a good idea. You’d be better off taking that money and saving it for a rainy day.
I need an SR-22 policy. Can you help me?
Answer: Yes, we are experts at providing SR-22 policies. An SR-22 is not an insurance policy; it’s simply a financial responsibility form that proves an individual has the minimum liability insurance as required by law. If you are transferring an SR-22 from another carrier or state, give us a call. Otherwise, simply indicate that you need an SR-22 when you get your quote online. Give us a call at 800-420-3712 and one of our agents will be happy to assist you.
What happens if I have a question about the type of coverage I need during my purchase?
Answer: If you are obtaining a free quote online and you would like help from an agent, please callus directly at 800-420-3712.
Can you insure me if I don’t have a US drivers license?
Answer: Yes, we can provide you with insurance. We will help you get insurance whether you have an international or foreign drivers license. We can also insure owners of vehicles who don’t have a license at all. Just remember that having insurance does not give you permission to drive. Your car must be driven by someone with a valid license. Give us a call at 800-420-3712 and one of our agents will be happy to assist you.
Can I add or remove policy options while I am obtaining a quote?
Answer: Yes, but remember that adding or removing policy options will affect the final price of your policy.
Do I need to start a new quote if I want to add a new driver to my policy?
Answer: No, all you have to do to make any changes to your policy is call us directly at 800-420-3712 and we’ll make the changes you need.
Can I make changes to my quote online?
Answer: When you fill out the online quote form, make sure all the information entered is correct. In the event that changes are needed, please contact us at 800-420-3712to update your quote.
Can I call someone to help me make changes to my policy?
Answer: Yes, please call one of our Customer Service agents at844-209-3458 and they will be happy to help you make changes to your account.
What do I do if I have an auto accident?
Answer: Nobody likes to think about being involved in an accident, but accidents do happen. Always report an accident to your insurance company, immediately, regardless of how minor it is. The sooner you report an accident, the sooner your claim can be investigated and settled.
