Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is Broadform Insurance?
  2. How can I lower my rates?
  3. Do you have insurance for supended or foreign drivers licenses?
What is Broadform Insurance?
Broad Form named driver covers you on any personal car you own or are driving.  It's a great product for people with several cars, or cars that don't need collision coverage.   It does not cover commercial vehicles.   It's usually more cost effective than insuring several cars.   You can purchase uninsured motorist coverage - however it only covers you while you are driving.    It's also available for motorcycles. 

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How can I lower my rates?

Establishing credit early can really help lower your insurance rates.  It is a major factor in rating.  

Carrying higher limits of liability can also lower the rates over time.

Avoid having a lapse in coverage.  It usually cost more in the long run if you cancel your insurance while you are on vacation or out of the country.   We have options to reduce coverage during those  times so you can keep the continuous insurance discount.

Don't file small claims - under $1,000, if you can help it.   You will loose your claims free discount.  We recommend higher deductibles to really help save money.   Insurance should be used for more catastrophic losses.  

Set up automatic payments - all of our companies offer significant discounts.

Bundling your home or renters insurance with your car insurance can save money on both policies.  

 



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Do you have insurance for supended or foreign drivers licenses?
Yes we have a couple of companies to quote.

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