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Answers to common insurance questions.
Browse the most common questions we hear from clients. If you do not see what you need, send us a question below and our office can help point you in the right direction.
Common questions
Browse the answers below.
Expand any question for a quick explanation. If your situation is unique, contact our office for guidance.
How can I reduce my premium?
Take the Improv Defensive Driving Course! Bundle your policies to maximize discounts. Students may qualify for good student savings, and clean driving and claims histories can unlock additional discounts over time.
Why is my policy so expensive?
Insurance pricing changes as carriers respond to claims trends, repair costs, construction costs, medical inflation, vehicle technology, and individual driving or claims history. Even when your own situation has not changed much, broader market conditions can still affect premiums.
What is the difference between Comprehensive and Collision coverage?
These are optional physical damage coverages often included when people refer to “full coverage.” If your vehicle is financed or leased, your lender will usually require both.
- Comprehensive generally responds to losses such as theft, fire, vandalism, falling objects, and certain glass damage.
- Collision generally responds to damage from an impact with another vehicle or object, regardless of fault.
Deductibles and optional glass coverage can change what you pay out of pocket, so it is worth reviewing the policy details with your agent.
I am looking to change carriers. What is the easiest way to obtain quotes?
The easiest approach is to work with an independent agency that can compare multiple carriers for you. Having a current declarations page and basic driver information ready will make the process faster and help ensure accurate comparisons.
If you shop on your own, be sure to compare the actual coverage terms, deductibles, and policy limits, not just the premium.
I received a letter from my mortgage company. What should I do?
Mortgage companies and lienholders often request proof of coverage when a policy is new or when their records change. In most cases, send the letter to your agent or send your most recent declarations page to the mortgage company so they can update their file.
How do I take a car off my policy?
In most cases, you should first return the license plates to the DMV. The plate receipt, often called an "FS-6," is commonly required before a carrier will remove the vehicle from the policy. Removing coverage without the proper DMV receipt can create DMV issues or fines.
Will my policy pay for my rental car?
Usually only when the rental is tied to a covered claim and you carry the appropriate rental reimbursement coverage. Routine repair or maintenance visits typically do not qualify, so those rentals are often out-of-pocket.
Do I have to pay anything to get my windshield fixed?
That depends on whether the vehicle carries Comprehensive coverage and whether full glass coverage is included. If full glass is included, many repairs or replacements may have little or no out-of-pocket cost. Without that coverage, your deductible or the full repair bill may apply.
Why was I asked to provide proof of garaging?
Carriers sometimes request proof of garaging to confirm where a vehicle is regularly kept. Common examples include recent utility bills, a lease agreement, a recent pay stub, or government-issued identification showing the address.
Do you represent churches in New York State, and can you discuss options?
Yes. Our office works with carriers such as Utica National, U.S. Liability, and Philadelphia Insurance Company, among others.
We can discuss liability, property, and other specialized insurance considerations for religious organizations and help you review the options that best fit your needs.
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