How exactly does the Insurance Doctor work?
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
- Published in Auto Insurance Premiums, Automobile Insurance, Homeowner's Insurance, Insurance Doctor, Motorcycle Insurance, Uncategorized
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!
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
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.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
Oh no!!! I forgot to pay my auto insurance premium last month. Will my policy be canceled?
Each state has its own rules governing the cancellation of automobile insurance policies. You should check Part F of your personal auto policy (PAP) regarding termination and cancellation conditions. This section will address when, how, and for what reasons coverage under your personal auto policy can be terminated. You should also check any applicable endorsements regarding cancellation.
If you fail to pay your premium on time, your insurance company has the right–after providing you with at least 10 days notice–to cancel the policy. The notice of cancellation, mailed to the named insured shown on the Declarations page of the policy, will inform you of the date and time the cancellation will take effect. Even if you’re only a day late with your premium payment, your state may allow your insurance company to cancel your insurance policy, and the company won’t necessarily reinstate you once it gets your money. Furthermore, once your policy has been canceled, you may find yourself paying more money for a comparable policy or having trouble finding insurance at all. For our clients, sometimes we can be of help in this situation by dealing with the insurance company for them.
That being said, some insurance companies will not immediately issue a cancellation notice. You may simply receive an overdue notice, asking you to pay the past-due premium plus a late fee. Other companies may state in the cancellation notice that if payment is received by your insurance agent prior to the effective cancellation date shown, your coverage will be considered “reinstated.” It may also be possible for you to reinstate coverage after the effective cancellation date by paying the overdue premium and perhaps an additional sum. (However, it is likely that you will not be covered for any accidents between the effective date of cancellation and the date of reinstatement.)
In any event, you must look to state law and your automobile insurance policy to learn whether your policy will be canceled. Feel free to call us to ask for assistance.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
Exactly what is an SR-22?
SR-22 is a document required by the court in the Commonwealth of Virginia 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.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
I’m about to marry someone with a bad driving record. Will my insurance premium go up?
So you are about to say I Do and you discover your fiancé has a poor driving record! Well expect it to affect your insurance premium after you get married. Your automobile insurance policy covers you, your spouse, any other named insured listed under the policy, and any licensed driver in your household. If any of those people have bad driving records, it will affect your rates.
Of course, insurers consider marital status when calculating risk, so the very act of tying the knot may improve your future spouse’s risk profile. But if their driving record is really bad, you may want to consider additional strategies related to carrier selection, adjusting deductibles, driving school, and other approaches to avoid a hike in your premium. We can provide you with specific advice in this regard.
What strategy will work for you depends on your circumstances. We can discuss all of your policy options with you and make recommendations.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Uncategorized
I am buying a used car that is worth only a few hundred dollars. Do I need to insure it?
An auto insurance policy is a package of different kinds of coverage. You generally have some flexibility in terms of both the types and amounts of coverage you select. However, practically every state has enacted insurance laws that require drivers to carry at least liability auto insurance. Many states even require that you present proof of insurance before you register a car. So the short answer to the question is that you will need to insure your car, regardless of its value.
Drivers must carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property. Every state has mandatory minimum limits of liability coverage.
Comprehensive and collision insurance is optional in virtually every state. The collision and comprehensive section of your policy covers physical damage to your own vehicle resulting from collisions and a variety of other causes (e.g., fire, falling objects). It may also cover losses associated with theft. However, your car’s value plays a big part in assessing your need for this type of coverage. It may not be cost-effective if your vehicle is worth less than $1,000 because you’ll have to satisfy a deductible, and the most you’ll receive (even if your car is totaled) will be its actual value (i.e., after depreciation). That’s not much, especially taking into account the premiums you would have been paying for coverage. If your care is over 15 years old (and is not a collectible), you may only get liability insurance on it.
My teenager just got his license. How can I insure him without spending a fortune?
As you have probably discovered, insuring a teenage driver can be very expensive. Drivers under the age of 25 pose the greatest risk to insurers. Insurance companies try to limit their exposure by charging higher insurance rates for 16- to 24-year-olds than for any other age group.
The least expensive option would probably be to add your teenager to your existing auto insurance policy once he gets his learner’s permit. Although this can still be an expensive prospect, your teen might be able to take advantage of certain discounts as a driver on your policy (e.g., safe-driver and multiple-car discounts for which you are eligible).
We can help you determine your most cost-effective option. If you’re thinking about purchasing a used car for your teen, be prepared to tell us the make, model, VIN#, and year of the cars you’re considering. This way, we can give you accurate insurance quotes and help you decide whether to purchase separate insurance for your son or add him to your policy. Sometimes these quotes can even help you decide which car to purchase.
- Published in Auto Insurance Premiums, Automobile Insurance, Insurance Doctor, Road Safety, Uncategorized
So my driving record is not that great! How does this impact my insurance rates?
In most states, the department of motor vehicles has a “point” system, which is used to track and measure your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.
Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company.
There are two purposes for this initial review:
To determine whether you meet the insurer’s standards of insurability
To evaluate your risk potential (i.e., how much your insurance will cost).
Each insurance company has its own method of evaluating applicants. So the points on your driving record may have a direct impact on the rates you pay for auto insurance. This is one of the reasons why we shop among 40 different insurance companies and programs to find the best policy for you.
There are certain times when you can be relatively sure your insurance company will be checking your record. These include:
When you initially apply for coverage
When your policy comes up for renewal
If a review of your driving record uncovers negative information, your insurance rates may increase. Insurers typically have their own “point” system to calculate the increase (if any). Then we go to work for you to find you the lowest rate even with this negative information.
You deserve the best and that’s what you will get here at The Insurance Doctor!
Lets talk about you for a minute – and what you deserve from people like us.
You want to save money… without spending your life learning the insurance business and shopping for the right policy. Research is our job. Leave that to us.
If you are a safe driver, you want to be sure you are getting the savings you deserve. You probably have no idea the discounts you may qualify for. We’ll show you.
If you have a bad driving record, you want to be treated fairly and respectfully. And you want the best policy for your current situation. We are proud to help you.
You want to pay on your terms. Maybe in small monthly payments by direct bill or EFT. Maybe you would rather pay by credit card – or in cash? We give you the choice.
You don’t want to be haunted by a traffic violation from years ago. Most insurance companies review the last five years of your driving before they will insure you. We only review the last three years of your driving record.
You don’t want to deal with the insurance company. We do it for you.
You want immediate service when you need it the most. We offer 24 hour claim service.
You want an expert as your own personal representative. Someone well-trained and friendly – who you trust to follow up with you quickly. That’s us. We’re open during lunch and in the evening to suit YOUR schedule. We’ll work with you by phone or email. Whatever suits you.
You don’t want to deal with an automated answering service or 1-800 numbers. We don’t want to jeopardize personal service just when you need it the most. You will get your own agent every time you call.
Let us make your life a little easier – and save you money at the same time.
Get a quote. And see how it pays to let us do the shopping for you.