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Frequently Asked Insurance Questions

Here are the most common insurance questions Sappington Insurance, LLC. receives.

I am always available to answer any questions and address any concerns you may have. Call me at (970) 397-3287 for any further inquiries.

Is the rate given to me accurate?

I make sure to provide you with the most accurate rate possible so that you know what to expect. If anything, the estimate I’ll give you is higher than the actual price as I would rather under promise and overdeliver.

My current insurance company has significantly increased my rate. How can I get a lower rate?

If your current insurance company has increased your rate, you can be sure to find lower rates with Sappington Insurance, LLC.. I am here to find you the most competitive prices on the market today, and I’ll fit you with an insurance package that suits both your needs and your budget.

Is there a fee for getting an insurance quote?

With me, there isn’t.

Book a no-obligation consultation with me, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. I work with you to find the right insurance quote, no strings attached.

What is a lapse in insurance?

A lapse occurs when you stop paying for or cancel your car insurance. I recommend avoiding an insurance lapse as this can result in costly consequences.

When you choose Sappington Insurance, LLC., I make sure you’re making your payments on time and let you know about all the risks involved.

What is a deductible?

When submitting an insurance claim, a deductible is an amount you’re responsible for before the insurance company covers the rest.

As your dedicated insurance broker, I do my best to introduce you to carriers with the lowest deductibles so that you barely ever have to pay out of pocket. This way, not only will you shop the most competitive rates, but you’ll also discover trustworthy lenders that prioritize their clients.

How long do tickets and/accidents stay on my driving record?

Typically, driving accidents and tickets stay on your record for 3 years, but depending on the severity of the violation, they could be there for up to 10. For example, an “at-fault” accident will remain on your driving record for at least 6 years from the date of conviction.

Is hail damage covered?

Comprehensive insurance covers hail damage as it falls under the category of “act of nature”. Still, this usually involves a deductible. If severe damage has occurred, you are covered up to the actual cash value of the vehicle.

Is my car covered for damage caused by a flood?

Again, comprehensive coverage covers flood damage. If you want full insurance coverage for your vehicle, specifically for non-vehicular accidents, opting for this extra coverage is essential.

I drove through a pothole and damaged my car. Is the damage covered?

If you have collision coverage or all-perils coverage in your car insurance plan, you are covered for all pothole damage. Driving through a pothole is considered a single-vehicle collision and is, therefore, a covered loss.

How do limits and deductibles impact my premium?

Your premium is how much you pay your insurance company regularly to keep your coverage in place. Depending on the insurance type and specific policies, you can pay your premium monthly, quarterly, biannually, or annually. Whether it’s home, car, or life insurance, limits and deductibles are common factors that affect your premium rates.

An insurance limit is the maximum amount covered when making a claim—usually, the higher your coverage limit, the higher your premium. I can guide you in the right direction when it comes to pinpointing the perfect coverage limit for your needs. And they’ll stay on budget, too!

An insurance deductible is the amount of money you have to pay out of pocket for a covered claim. Generally, you may be able to save money on premiums by selecting policies with higher deductibles. Consult with our insurance professionals to see what’s in your best interest.

When should I review my insurance protection?

At Sappington Insurance, LLC., I believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with me as soon as possible.

Get in touch with me now at (970) 397-3287 to schedule an appointment.

Contact us now to get a free estimate
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