Regardless if you are a current client or just looking for tips to save money on your current policies, this page is an excellent starting point! (This page is not meant to offer insurance related advice and is not to be construed as such)
My agent is out of the office, do I have to wait to make a payment or make changes to my policy? NO, absolutely not! Most agents are in and out of the office through-out the day either on appointments or meeting with company reps. We have ensured every person that touches your account is a licensed professional.
My agent's office is closed so I left a message for my agent requesting a change to my vehicle or policy. Am I covered? Short answer, No! Changes can not be made or bound via voicemail. Your changes are not confirmed and coverage does not exist until you speak in person to your agent and they are confirmed verbally or in writing.
Who do I call in the event of a claim? While we are happy to handle your claim, most companies still require that you submit a recorded statement of what happened, so you will still need to talk to the insurance company directly even if you call us. We can submit the claim on your behalf, then within 24-48 hours (depending on the nature and type of loss of the claim) you will be contacted directly by the claim's adjuster. You can assume in most cases this call will take 20-30 minutes. If you have a claim after-hours, please call the 1-800 number on your auto ID card or policy and submit directly. Claims must be submitted in a timely manner to qualify for coverage.
How do I save money on my auto insurance? The easiest way to save on your insurance is to maintain auto insurance. We look at how long you've maintained insurance without a lapse and even how often you receive non-pay notices. The longer you have been loyal to one company the better it is for your rates, as well. If you tend to shop annually or more often, you will not qualify for the best rates. Credit, your driving record and the type of car you drive as well as the number of vehicles in relation to the number of drivers on the policy may also influence premium. Typically insurers like to see an even number of vehicles to an even number of drivers. What does NOT influence your rate? The color and current mileage of the vehicle!
What is the grace period for late payments. Companies "may" allow a grace period (most give up to 15 days past the due date) However, it is NOT required by law in all states.
Vonnie J Lepley-Galand
Independent Insurance Agent - Serving PA, OH, WV and MD