When you apply for an insurance policy, the insurance company needs detailed information about you and what they are insuring in order to underwrite, rate and issue a policy. The detailed information we collect helps us place your insurance with companies that will maximize your available premium discounts while insuring any coverage needs unique to you. While personal information about you is fundamental to our ability to do this, your privacy is extremely important to us. We are therefore committed to keeping that information secure and confidential consistent with our "Privacy Policy."

Each kind of insurance policy has a specialized application with questions appropriate for that policy. For example, for a personal auto policy, your agent will ask you:

• Personal questions about you, like your name, address, phone numbers, birthdate, social security number, marital status, and where you work. Personal information is required to obtain your credit based Insurance Score.
• Driver specific questions, like personal information about every driver, their driver's license number, which auto they drive, etc.
• Risk assessment questions, like what is the driving record of each driver, claim history, how each auto is used and how many miles is it driven per year.
• Vehicle specific questions, like the year, make, model, and vehicle identification number for each vehicle.
• Coverage questions, like the limits of insurance desired for auto liability, UM, UIM, medical, physical damage (collision & other than collision),deductibles and optional coverages desired.

Why so many questions? 

Computers have allowed insurance companies to develop very complex rating systems with dozens of price points that are dependent on this detailed information. This abundance of information provides a broad statistical basis for more types of premium discounts for consumers.

You, your agent, and the insurance company cooperate together to develop better insurance policies to offer more features and optional benefits than ever before.

Contact your Agent

Do you have any questions or concerns? Contact your agent for more information or to update your coverage.