Frequent questions

1. Can payment plans be changed mid term?
   
   Answer: By contacting us, we can make arrangements to change payment plans at anytime during the term of the policy. On the 6-month polices options are available for full pay, 2 pay, 5-pay or EFT. The 12-month liability polices have payment options of full pay, 2-pay, 4-pay, 10-pay or EFT.
   
   
2. Is the EFT option available for a one time payment instead of the monthly payment option?
   
   Answer: At this time we only offer the EFT on a monthly payment plan.
   
   
3. The insured no longer wants the payment drafted from their account.
   
   Answer: Please send a signed, written request to remove from EFT program and change the payment plan on the policy. We need 7 to 10 days for processing this prior to the draft date. All draft requests are sent to the bank 3-5 days prior to the draft date.
   
   
4. When are policy renewals sent?
   
   Answer: We attempt to process and mail Renewals for all policies approximately 35-40 days prior to your renewal date. Please contact us if you have concerns about a specific renewal.
   
   
5. What if I forgot my password?
   
   Answer: You will need to contact the home office to obtain assistance regarding your passwords.
   
   
6. Can a change to the policy be done by the agent?
   
   Answer: At this time all changes need to be sent to the home office by e-mail, fax, or regular mail.
   
   
7. I sent in a policy change over 2 weeks ago and have not gotten the new dec pages back.
   
   Answer: If you do not have your copy of the new declaration showing the change within 7 – 10 days, please contact the home office. We attempt to process and mail all changes within 3-4 days of receipt, often the same day as received.
   
   
8. Do you waive the comprehensive deductible for windshield repair?
   
   Answer: Yes, provided the windshield is repaired, and not replaced, this deductible is waived.