Frequently Asked Questions.

In most cases, we can provide an initial quote within 10-15 minutes over the phone. For complex business or commercial requests, it might take 24-48 hours to shop the market thoroughly for the best rates.

No. We are compensated directly by the insurance carriers. You pay the same premium whether you buy through us or go direct, but with us, you get the benefit of our expert advice and advocacy at no extra cost.

Absolutely. Bundling is one of the best ways to save money, often reducing your total premium by 15-25%. We check every carrier for their specific bundle discounts.

You can contact the carrier directly for the fastest service, but we are always here to help. Call us first if you're unsure whether to file a claim—we can advise you on the potential impact on your rates.

We are currently licensed and authorized to serve clients in Ohio, Pennsylvania, Georgia, North Carolina, Kentucky, Texas, Colorado, New York, and Maryland.

Generally, we'll need your name, address, date of birth, and details about what you're insuring (VINs for cars, property specs for homes). For accurate rates, we may also need your current policy limits.