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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. I just received a notice from my auto insurance company telling me that my price is going up. But I haven't had any tickets or accidents and nothing else has changed for me. Why is my price going up?
  2. I've had the same insurance company for years. My agent got me the lowest price back when I first started and I have never had a problem since then. Why would I want to change and go with someone else?
  3. Should I be concerned when a big name brand insurance company says, "you get what you pay for" when it comes to a lower price competitor?
  4. Even though I'm paying a price that may be a little higher now, I like the idea that my current insurance company will pay for everything if I have a claim. Therefore why would I want to change if I like knowing that they'll pay for everything?
  5. Does my auto insurance policy cover anybody who drives my car?
  6. I've used Google to try and locate insurance agents to call for a price. But I have gotten some Websites where I'm not exactly sure who they are. Some show a bunch insurance company logos and some don't. But they all say in big letters something like, "GET INSURANCE QUOTES" and then start by asking for my zip code to begin the quote process. How can I find out exactly who they are?
I just received a notice from my auto insurance company telling me that my price is going up. But I haven't had any tickets or accidents and nothing else has changed for me. Why is my price going up?

It's most likely because other drivers with your characteristics that are insured by your insurance company haven't been as good a driver as you or have had more claims than were expected when the company established their prices. Since auto insurance companies calculate prices by certain groups, like single males age 25-29 or married females age 30 and above, those groups are evaluated as a whole and the bad drivers will affect the price for the good drivers in that same group. Getting a price increase when you haven’t had any changes may mean it’s time for you to shop for a better price.



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I've had the same insurance company for years. My agent got me the lowest price back when I first started and I have never had a problem since then. Why would I want to change and go with someone else?

Your loyalty may be costing you money. Getting the lowest price a long time ago doesn't mean you're paying the lowest price today. Insurance prices are constantly changing and if yours has stayed the same or gone up, chances are there is a lower price out there for you. Also, if you have "never had a problem" it may be because you have been a very good customer with no problems. You may not want to change if your agent is a family member in order to keep the peace. But other than that, it pays to shop. 



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Should I be concerned when a big name brand insurance company says, "you get what you pay for" when it comes to a lower price competitor?
Some of the big name brand insurance companies want you to think their higher prices translates into better quality. However, ALL insurance carriers who do business in the state are under the watchful eye of the Department of Insurance for that state and therefore ALL must follow the same regulations and guidelines. The quality you get from an insurance carrier is more dependent upon how their people treat you rather than the price they charge you.

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Even though I'm paying a price that may be a little higher now, I like the idea that my current insurance company will pay for everything if I have a claim. Therefore why would I want to change if I like knowing that they'll pay for everything?
Don't assume that paying for everything actually means your insurance company will pay for every possible situation imaginable. All insurance policies have restrictions and limitations. Also, "everything" could mean you're paying more for things that could be extremely rare or unlikely to happen. There's nothing wrong with paying a higher price for more bells and whistles in your insurance policy if that gives you peace of mind. However, the best way to know what is truly covered is to read your policy and understand it. Then tailor your insurance to cover you for the crucial, important things and not the extra things that are trivial or insignificant.

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Does my auto insurance policy cover anybody who drives my car?
Not necessarily. Different auto insurance policies can say different things. Briefly, auto insurance companies figure the price you pay based on the drivers and their circumstances who are listed or added to your policy. As a result, they need to know about other potential drivers who may have easy or regular access to your car like family members, roommates or someone who borrows your car on a regular basis. If one of these types of drivers gets into a wreck and wasn't listed on your policy, the insurance company may have a valid reason to deny paying the claim because you didn’t tell them about the driver beforehand. A policy could also be a "Named Driver" policy where only listed drivers on the policy are covered to drive and nobody else. Knowing which drivers are covered by your insurance to drive your car is a very important subject for you to know ahead of time and will be explained in your policy.

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I've used Google to try and locate insurance agents to call for a price. But I have gotten some Websites where I'm not exactly sure who they are. Some show a bunch insurance company logos and some don't. But they all say in big letters something like, "GET INSURANCE QUOTES" and then start by asking for my zip code to begin the quote process. How can I find out exactly who they are?

Simple. Click the "Contact Us" link on their Website and look for their physical address. If it isn't local or it's a P.O. Box or missing a phone number or there is no "Contact Us" link, it's most likely a "lead aggregator".  Lead aggregators can be a little sneaky and will also use other insurance company's or agent's names in search engines like Google to get you to click on them. Once you have completed your information on the lead aggregators Website, they turn around and sell your "lead" to agents in your area. The biggest complaint is that in most cases, lead aggregators will sell your lead information to multiple agents and then those agents bombard you with phone calls. If you try those types of Websites, be sure to read the fine print at the end and before you "click" to agree because you will be authorizing them to sell your personal information. Family Select Insurance doesn't buy leads and only serves those who contact us freely and independently.

 

These are just a few questions that hopefully clears some of the air about insurance and the shopping process. We encourage you to give us a call at (502) 454-7283 if you have other questions or would like a free price quote on you auto, homeowners or renters insurance.



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