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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. Why did my rates go up?
  2. What is insurance scoring?
  3. Can I make a partial payment?
Why did my rates go up?
As most all of us know rates will increase due to moving violations or claims but sometimes they just go up. Insurance rates are based on the companies overall claims experience. We all contribute to a pool of funds (premiums) that are made available for all policy holders to draw from in the event of a claim. Occasionally due to rising claim costs on a whole rates are adjusted for everyone to assure sufficient reserves are available for future claims.

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What is insurance scoring?
An insurance score is a number based on information found in your credit report. Insurance companies look at many factors to determine rates. It has been found that people with lower insurance scores tend to have more claims than those with higher scores. Based on the research of the Casualty Actuarial Society, as a group those with lower scores pose a greater risk. An important consideration determined by the American Insurance Association and the Virginia Bureau of Insurance found that insurance scores and income are not related. 

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Can I make a partial payment?
In most cases yes. You can request a change to your billing plan at any time (unless you are currently in a cancelation status). Please contact our office for assistance.

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