Frequently Asked Questions
A deductible is an amount that you’re responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
We want to make sure that if you are ever caught off guard or are in an emergency, you’re still protected. We offer Emergency Roadside Services (ERS), Rental Reimbursement (RR), and Mechanical Breakdown Insurance (MBI). Our ERS service is here to help you 24/7 and help will be available in under 2 minutes. Our RR helps pay your rental car costs while your car is being repaired as a result of a covered claim. The MBI we offer is similar to a car warranty, this type of insurance covers costs from repairs if your vehicle breaks down, needs replacement parts, or suffers other types of mechanical problems.
Here are just some common things that help determine your auto insurance rates.
- Driving record. Safe drivers are generally rewarded with lower auto insurance rates or safe driver discounts.
- Mileage. How much you drive each year can increase your auto insurance rates because it places you more at risk of being involved in an accident. People who drive fewer miles than average may be eligible for lower rates on their auto insurance.
- Location. Where you live can affect your rates. Some places are more inclined to collisions or theft and also have higher costs for car repairs, lawsuits, and medical care. Always check with your insurance representative when relocating to see if it will affect your auto insurance rates.
- Vehicle. The car you drive also affects your rates. Things like cost of replacement parts and repair, likelihood of theft, and safety ratings can all affect your auto insurance cost.
You could save money by combining auto policies. With a Multi-Vehicle Discount you could save when you insure more than one vehicle on your policy. If you have renters or homeowners through the Nickerson Insurance Agency, you could also save with a Multi-Policy Discount.
In the hustle and bustle of the closing process, don’t forget to make time for the following important tasks.
- Set up a home inspection and make sure you understand the final report
- Schedule a final walk-through 24-48 hours before closing to ensure the condition of the home has not changed
- If you will have a Home Owners Association, read their paperwork and understand the requirements
- Determine if your home is in a flood zone
- Set up your homeowners insurance policy
Most renters insurance quotes include actual cash value, not replacement value for your belongings. Actual cash value takes depreciation into consideration when calculating a post-claim payout. This could mean you may not get enough to buy a new version of the item that was lost. This is where replacement cost coverage can help.
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Contact us today for a free quote and consultation from our team of experienced insurance professionals!