If I turn in a claim is my insurance rate going up?
This is complicated but the answer is probably yes. If you have a no claims discount, you will most likely lose it. Even though nothing is paid it does not mean you did not have a claim. A lot of claims, especially on the home are below the deductible but it still has damage.
If you are not sure if you should turn in the claim, call our office. Maybe see how much it will cost to repair before you turn it in.
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Is my insurance going to increase with adding my teenager?
Of course. The more people who drive the more it costs. Your child needs to be added when he receives his license. If he is not going to drive then don't get him a license.
Remember, the more experience they get the better they will dri ve.(usually). Spend time with them in the car. Let them drive to the store with you.
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Do I need an umbrella policy?
If you own your home, or have any assets or a good job or future pay will be good then yes! You want to protect yourself from our suing society. The umbrella protects your assets from being taken from you.
They are very reasonable and protect you from anything you can be held liable for. Usually your home or auto is the primary source of coverage.
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