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How exactly does the Insurance Doctor work?

Insurance solution for families

No Waiting… No Hassles… No Red Tape…
In 14 minutes, we can save you up to 50% on car insurance.

Here is what you can expect when you work with The Insurance Doctor.

Step 1:
Get a quote. Not just one… we will shop 40 different insurance companies to find the best policy for you. And each one of those companies has flexible pay plans to fit your budget.

You can request your quotes online. Or, we can give you a quote by phone. Either way is shockingly fast. On average, it takes us 4 ½ minutes to provide quotes by phone… even faster if you request your quotes online.

Before you hang up, we will have found the best policy for you.

Step 2:
Get your policy. Most people do this in our office because it’s fast, and your signature is required. Plus, with offices in Woodbridge, Richmond, Williamsburg, Hampton, Newport News and Virginia Beach, as well as Charlottesville, Northern VA, Raleigh, NC and other areas, we’re nearby, too. When you arrive, your paperwork will be waiting for you. If you have an email address or a fax machine we can send you the paperwork electronically. We want to make insurance coverage as convenient for you as this. It is what we’ve been doing for over 25 years.

The average client is done with paperwork in 14 minutes.

You will leave our office with:

Your receipt
Your new policy number
Proof of your coverage
Your payment schedule
Your temporary insurance card (until yours arrives)
Literature on your insurance company with 24 hour claims information

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I hear that with some companies, your insurance can be cancelled if you have just one claim. Is this true?

It’s very unlikely that your policy would be canceled after you file a single claim. However, filing a claim could increase your premium.

Your auto insurance premium will almost certainly increase after an accident – especially if you were at fault. Actuarial evidence shows that people who have had accidents in the past are more likely to have accidents again. There is a logical reason to charge you more for insurance coverage because of this increased probability of a future claim.

The next question is how much your premium will increase. This is harder to answer, because insurance companies often use different formulas to calculate rate increases. In most cases however, your policy will not be canceled. And because we represent more than one insurance company we can find a better fit for you and you stay with the same agency!

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Why do auto insurance applications include questions asking for my credit information or if I have claimed bankruptcy?

The connection between your safety record and your credit rating seems confusing. Many consumers feel uncomfortable about providing this information on an automobile insurance application. Insurance companies explain that credit information is necessary for a proper risk analysis when evaluating an insurance application.

They have determined that there is a connection between credit risk and safety risk. Some insurance company statistics show that drivers with bad credit file more accident claims than drivers with good credit. It seems that consumers who are careful with one aspect of their lives (e.g., financial affairs) are likely to be careful with other aspects of their lives (e.g., driving habits). Credit information is also needed to determine whether an applicant is likely to pay premiums on time. WE WORK WITH SEVERAL COMPANIES THAT DO NOT CHECK YOUR CREDIT.

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What is an FS-1?

An FS-1 is a document required by the court in the state of North Carolina for persons convicted of certain traffic violations that demonstrates proof of financial responsibility. If you need one, we will assist you for FREE when you get your policy.

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