Below are frequently asked questions (FAQ) and answers about car insurance from Selection Insurance Agency.
Do not hesitate to call us if you do not find an answer to your question in our FAQ list. We are here to help.
How much insurance coverage do I need?
Your individual and business needs and the circumstances should dictate how much insurance you need.
How much is going to be my insurance?
Insurance premiums are unique and to provide an adequate answer to this question we need all the required information from you that will help us generate your insurance quote. Some of the variables are; limits and type of the coverage, the age of the drivers, zip code, driving history, etc. It is important to know that each quote is handled with care and takes specific attention by one of our experienced insurance agents.
Should I have a separate policy for each vehicle in my household?
Typically it is better to have one policy for all the vehicles in the household. However, there are scenarios when it makes better financial sense to have a separate insurance policy for one or more drivers in the household. For example, that may be the case when one of the drivers is under age of 25 or has a bad driving record. Make sure to provide as much information as possible to your insurance agent in order to get the best available insurance options for you.
How to reduce my premium?
Most of the insurance companies offer discounts for bundling auto and home/ rental insurance. Another way to reduce your premium is to get a PAPERLESS DISCOUNT, if offered, by setting up auto-pay on the policy or make a payment in full.
I have a gap in coverage. Can I backdate my policy to avoid a penalty from DMV?
Some NON-standard insurance companies offer coverage with a past date. However, please be aware that there is a time frame for backdating a policy. Make sure to contact our office as soon as possible.
How to make changes to the policy?
If you need to add/remove a driver, vehicle, or if you have a new phone number, address, etc. please make sure to contact our agents. Be advised that in some cases insurance companies are requiring a written request.
When is my payment due?
Usually, payments are due before the expiration date shown on the ID card. Please contact our office to verify when in doubt.
How can I make payments?
- Online — Login to your insurance carrier website to pay online
- Phone — Call us to make a payment by phone
- Visit our Office — Come to our office during working hours
- Mail — Send a check with your monthly bill in the mail