"Does vehicle customization include things like paint, body work, etc.?"
Customization of the bodywork is any change to the exterior appearance of your vehicle that was not included by the manufacturer. This can include body panels, ground effects lighting, etc.
This includes any item that is not factory standard, including engine modification, suspension modification, etc.
Customized painting includes any painting that includes special paint or design, which is not a factory standard feature or option.
"Why do you need my email address?"
"I cannot find my current company, what do I do?"
If your current insurer is not listed, please choose "Present company not listed."
"I cannot remember the date, what do I do?" (Accident or claim)
For most of us, it is hard to remember the exact date of an accident or claim. Don't worry if you cannot remember, we simply ask that you approximate the date as closely as possible.
It may be helpful to remember the month, a time of year, the weather, or a holiday that was close to the time in question. It may also help to remember what you were doing at the time. If you live in Minnesota and you were on your way to play golf, it was probably during the summer.
"I cannot remember the date, what do I do?" (Violation)
For most of us, it is hard to remember the exact date of a ticket or accident. Don't worry if you cannot remember, we simply ask that you approximate the date as closely as possible.
It may be helpful to remember the month, a time of year, the weather, or a holiday that was close to the time in question. It may also help to remember what you were doing at the time. If you live in Tennessee and it was snowing, it was probably between December 1 and March 15.
"(What if) I miss an accident or claim for someone in my household?"
It is important to identify all of these if possible. If you have not listed an accident or claim occurring within the past five years, our insurance companies will identify this through the use of consumer claims reports.
"(What if) I miss a violation for someone in my household?"
It is important to remember all of these, if possible. If you have not listed a violation occurring within the past five years, our insurance companies will identify this violation through the use of motor vehicle reports.
"(What if) My accident is not exactly like any of those listed?"
If you cannot find your specific accident type, select the accident description that most closely approximates your accident.
While there tend to be broad categories of accident types, every accident has its unique characteristics. All that you need to provide is the general category of your accident.
"(What if) My specific violation is not listed?"
If you cannot find your violation, select the violation that most closely approximates your violation.
There are times that your violation may have been described in slightly different way. More commonly, you may have had an out of state violation, where they have different descriptions of violations.
"(What if) My vehicle model is not listed?"
If you have a brand new vehicle:
New vehicle models are introduced often. Our vehicle listings may not have the most recent additions yet. We apologize for any inconvenience.
If you have an older vehicle:
First make sure that your vehicle was not manufactured before 1985. We are able to give quotes only for private passenger vehicles manufactured since 1985. Second, check to make sure that you have listed the correct model year. Our model listing varies based upon the year of manufacture so that you do not have to go through an extensive list. If your model still does not appear, we are unable to process a quote request at this time. We apologize for any inconvenience.
"(What if) I can't remember the date I was licensed?"
Most of us can't remember the exact date we were licensed. That is ok. If necessary, simply approximate this date based upon your age at the time.
"(What if) I am not sure about my vehicle type?"
This information is listed in your vehicles owner's manual. If you do not have the manual available, this information is discernable from your vehicle itself.
- Things like number of doors are obvious.
- Two or four wheel drive can be determined by the controls in your vehicle. If you do not have controls to switch to four-wheel drive, your vehicle has a two-wheel drive system.
- If you have driver and/or passenger side airbags, this is indicated on the steering wheel and dashboard of your vehicle.
- The number of cylinders will be indicated on the engine itself or can be determined by the number of spark plug cables you observe.
"When can my policy start?"
The policy start date must be within 1-60 days of today's date for rating purposes. Should you retrieve your information at a later date, this date may be changed.
"How soon" your policy can start will vary by company. In many cases, it can start as early as tomorrow. In some other cases, companies offering preferred rates (the lowest possible rates) may require that the policy begin as much as five days from your application date.
Most policies begin and expire at 12:01 a.m. To avoid a lapse in coverage, which could result in a higher rate, start your new policy on the same date that your current policy expires. This date can be changed at the time of purchase if you decide to purchase a policy, or if a company you choose requires your policy to begin at a later date.
Please Note: This definition is intended only as a guideline. All terms and coverages are defined solely by your policy.
"Where can I find my current insurance policy term?"
This can be determined based upon your policy effective dates. These dates can be found on your policy's "declarations" page (cover page), or insurance card.
"(What if) I cannot remember my expiration date?"
This can be found on your policy's "declarations" page (cover page), insurance card, or current cancellation notice. If you do not know the exact date and you cannot find your insurance information, please provide your best estimate. This date can be changed at the time of purchase if you decide to purchase a policy.
Only leave this section blank if you have never been insured.
"Why do you want this?" (Social Security Number)
Providing your social security number is optional, but recommended. Most insurance companies now use a consumer credit based model to assess the applicant's risk and insurability. Providing social security number substantially increases the chances of obtaining accurate information and offering you the best available rate.