Is the rate given to me accurate?
Our team makes sure to provide you with the most accurate rate possible so that you know what to expect. If anything, the estimate we give you is higher than the actual price as we’d rather underpromise and overdeliver.
My current insurance company has significantly increased my rate. How can I get a lower rate?
We shop multiple carriers to find competitive rates and craft a package that fits your needs and budget.
Is there a fee for getting an insurance quote?
With us, there isn’t. Book a no-obligation consultation with our team, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. We work with you to find the right insurance quote, no strings attached.
What is the difference in insurance if my vehicle is financed?
If you’re financing your vehicle, lenders require full coverage rather than the mandatory minimum coverage for your region. To qualify, you’ll have to invest in collision coverage as well as comprehensive coverage.
What is comprehensive coverage?
Comprehensive insurance pays for the repair or replacement of your vehicle in the event of damage caused by an unexpected situation such as theft, vandalism, fire, natural disaster, falling or flying objects, or civil disobedience. You are covered up to the current cash value of your car.
What is an “at-fault” accident?
An “at-fault” accident is when you are considered responsible for causing it, either through an act of your own or a failure to take action.
I have an RV/motorhome that I want to insure. Do you offer coverage?
Yes, at B&S Insurance Agency, we offer specialized RV and motorhome insurance. Ask our insurance brokers today about our customized insurance plans.
What is collision coverage?
Collision coverage pays for vehicle repair or replacement in the event of a crash with another vehicle or an object connected to the ground. You are covered up to the current cash value of your car.
If I let my friend drive my car, will he or she be covered?
In most cases, car insurance goes with the car rather than the driver. Hence, as long as your friend has a license, your insurance should cover any damage that might occur.
What is a lapse in insurance?
A deductible is the amount you pay out of pocket on a covered claim before your insurer pays the rest. As your dedicated brokers, we shop reputable carriers to find low, sensible deductibles paired with competitive rates—helping you minimize surprise costs while keeping your coverage and budget on track.
What is a deductible?
A lapse occurs when you stop paying for or cancel your car insurance. We recommend avoiding an insurance lapse as this can result in costly consequences. When you choose B&S Insurance Agency, we make sure you’re making your payments on time and let you know about all the risks involved.
How long do tickets and accidents stay on my driving record?
Typically, driving accidents and tickets stay on your record for 3 years, but depending on the severity of the violation, they could be there for up to 10. For example, an “at-fault” accident will remain on your driving record for at least 6 years from the date of conviction.
How do limits and deductibles impact my premium?
Coverage limits are the maximum your insurer will pay on a claim—higher limits usually mean higher premiums. Deductibles are what you pay out of pocket before coverage applies—choosing a higher deductible typically lowers your premium, while a lower deductible increases it. Balancing limit protection with an affordable deductible helps control your premium.
Is hail damage covered?
Comprehensive insurance covers hail damage as it falls under the category of “act of nature”. Still, this usually involves a deductible. If severe damage has occurred, you are covered up to the actual cash value of the vehicle.
Is my car covered for damage caused by a flood?
Again, comprehensive coverage covers flood damage. If you want full insurance coverage for your vehicle, specifically for non-vehicular accidents, opting for this extra coverage is essential.
I drove through a pothole and damaged my car. Is the damage covered?
If you have collision coverage or all-perils coverage in your car insurance plan, you are covered for all pothole damage. Driving through a pothole is considered a single-vehicle collision and is, therefore, a covered loss.
What is no-fault insurance?
No-fault insurance means that your insurer will process your claims and cover the damage, no matter who is at fault for the accident. This insurance type speeds up the coverage process, increasing premiums for the party at fault.
When should I review my insurance protection?
At B&S Insurance Agency, we believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with us as soon as possible. Get in touch with us now at (954) 656-8636 to schedule an appointment.
