Image

Auto Insurance FAQs

Auto Insurance
Policy Basics
What is car insurance and why do I need it?

Car insurance is designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages …

Auto Insurance
Policy Basics
What does car insurance cover?

It depends on the coverage options you choose. Since bodily injury and property damage liability insurance are required in most states, at a minimum your …

Auto Insurance
Policy Basics
Who needs to be on my car insurance policy?

Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your policy. Typically, your policy protects …

Auto Insurance
Policy Basics
What car insurance coverage and limits do I need?

This depends on your situation. At a minimum, drivers must carry bodily injury and property damage liability coverage at the state-mandated limits to help cover …

Auto Insurance
Policy Basics
How do I get a quote for car insurance?

Getting a car insurance quote from the Jason Herman Insurance Agency is easy. Just contact us today to start creating a policy that offers the …

Auto Insurance
Policy Basics
What information do you need for a car insurance quote?

Gathering all the information needed for your quote will get the quote to you faster and help you save money. Information about you, including name, …

Auto Insurance
Policy Basics
Will my car insurance policy automatically renew, or do I have to reapply for coverage?

Typically, most car policies renew automatically. We will notify you about any policy or premium changes in advance. It is important to review your coverage …

Auto Insurance
Policy Basics
How and when can I change car insurance coverage and/or limits on my current policy?

Typically, our clients can update their coverage option and policies limits anytime by speaking to one of our agents. Please note that making changes to …

Auto Insurance
Policy Basics
What is umbrella insurance, and how does it apply to my car policy?

Umbrella insurance (also known as excess coverage) provides additional liability coverage that can help protect your assets. It can also help cover defense costs, attorney …

Auto Insurance
Premium Pricing & Discounts
Do I qualify for any available discounts?

Where available, you may qualify for savings with safe driver, multi-policy insurance bundles, multi-car, usage-based, and good student discounts, to name a few. Additional discounts …

Auto Insurance
Premium Pricing & Discounts
What can I do to lower my car insurance premium?

Your premium partly depends on the coverages, deductibles, and policy limits you choose. Here are a few ways to help you identify and keep the …

Auto Insurance
Policy Basics
Can I get a discount if I have more than one policy with the Jason Herman Insurance Agency?

Typically, you can save money when you have multiple policies with the same carrier. Ask one of our agents about a multi-policy discount.

Auto Insurance
Premium Pricing & Discounts
What is a deductible, and how does it affect my car insurance premium?

Your car insurance deductible is the amount you’ll be responsible for paying towards the costs due to a loss before your insurance coverage pays. The …

Auto Insurance
Premium Pricing & Discounts
What is a policy limit of liability and how does it affect my car insurance premium?

Your car insurance liability coverage limits, also referred to as limit of liability, are the most your insurance will pay to another party if you …

Auto Insurance
Coverage & Limits
What is bodily injury liability coverage and how much do I need?

Bodily injury liability insurance typically covers the costs associated with covered injuries you may have caused to other people in an accident that you caused …

Auto Insurance
Coverage & Limits
Does auto liability coverage pay for damage to other people’s property?

Liability coverage pays for property damage that you cause to other vehicles and property while you are driving. It can also pay for your legal …

Auto Insurance
Coverage & Limits
What is collision coverage, and do I need it?

Collision coverage — or collision insurance — helps pay for damage to your vehicle, up to the policy limit, if you are in an accident …

Auto Insurance
Coverage & Limits
What is medical payments coverage?

Medical payments coverage protects you and passengers in your vehicle who may be injured in an accident, no matter who is at fault. It also …

Auto Insurance
Coverage & Limits
What is uninsured/underinsured motorist insurance, and do I need it?

Uninsured/underinsured motorist insurance can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance …

Auto Insurance
Coverage & Limits
What is gap or loan/lease gap insurance, and do I need it?

Loan/lease gap insurance is an optional coverage that can help pay off your car loan or lease if your car gets totaled or stolen and …

Auto Insurance
Coverage & Limits
Do I Need Special Coverage if I Add New Features to My Car (e.g., Stereo, Sunroof or Truck Cap)?

It depends. It is important to review your coverage needs with one of our agents on an annual basis, or whenever you make “after-market” modifications …

Allow us to provide a quote

Have an agent give you a call to discuss your insurance needs and provide a quote for Insurance to meet your specific needs.
Start Peace of Mind Process
Image