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Frequently Asked Questions About Insurance


1)  Do I have to buy auto insurance from All in One Insurance Group if I get a quote?


No. Obtaining an insurance quote is free and does not commit you to any purchases or policies


2) What are the insurance risk indicators? How does my risk affect the price of my coverage?


All in One Insurance Group understands how important it is to deliver the best coverages at affordable rates. We understand that as a dedicated driver, homeowner, parent, child, or worker, you want, and rightly deserve, the most dependable coverage for your hard earned money, and with safe habits, should come lower insurance costs.


That’s why, at All in One Insurance Group, we’re always looking for new ways to find you the most affordable insurance rates.


3) What factors does an Insurance company consider when determining my car insurance price?


Some of the factors that influence your premium include:


  • Age or driving experience

  • How your vehicle is used

  • Driving history

  • Claims history

  • Make and model of your vehicle

  • Geographic location

  • Credit history


4) What factors does an Insurance company consider when determining my property insurance price?


Some of the factors that influence your premium include:

  • Location of risk

  • Construction

  • Age of insured

  • Age of home

  • Credit history


5) How do Insurance companies determine this credit-based insurance score?


They use many factors to determine your score. Some of the more common factors are:

  • Payment history, including delinquencies or late payments

  • Length of credit history

  • Types of credit, such as credit cards and loans

When determining your score, gender, marital status, age, ethnicity, address, and income are not considered.


6) What is Personal Liability Umbrella Coverage?


Lawsuits have become commonplace in today’s world, and more and more we see larger awarded sums than ever before. In fact, in 2013 over 60,000 injury cases appeared in U.S. courts, each averaging $60,000 in payouts!


To help protect your hard earned assets, you maintain liability coverage with property insurance like auto and homeowners. These policies have limits though, and with increasing frequency, lawsuit awards are exceeding these limits. That’s why we at All in One Insurance Group highly recommends obtaining an Umbrella Policy.


An Umbrella Policy is an extra layer of liability coverage, designed to go above and beyond the coverage of your other insurance policies. If you’re ever sued for damages, and the verdict exceeds even the highest limits on your existing property coverage, an umbrella policy kicks in to cover the additional expenses, so you don’t have to put your savings, your home, and your business at risk.

Learn more about umbrella insurance or talk to All in One Insurance Group agents for more information.

7) Who should I call to report a loss?


After a car accident, home damage, or any kind of loss, it’s important to let your insurance carrier know. We also suggest you call and let your insurance agent know.


8) What kinds of Auto insurance discounts are available?


A variety of discounts are offered to help you save on your insurance, and reward you for safe behavior. Discounts vary by state.  Discounts for:


  • Select occupational groups (doctors, RNs, dentists, teachers, police, firefighters, etc.)

  • Homeowners

  • Teens with parents who have safe driving records

  • Drivers who own cars with standard safety features

  • Drivers who own multiple cars

  • And more!


9) Am I covered if I rent a car?


Car rental companies charge daily fees for their insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. This typically varies by state though, so check your policy or contact All in One Insurance Group for more details.


10) What does "Full Coverage" mean?


This is an often misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property.


Your Auto insurance Policy Declaration page lists the coverage you have selected, and we here at All in One Insurance Group can help you select the right Auto insurance coverage that fits your needs and budget.


11) What is a Good Student Discount?


The good student discount is an auto insurance discount available in most states that rewards young drivers for doing well in school.

To qualify, the driver must be between 16 and 25 years old, a full-time student enrolled in high school or college, and must provide documentation that any of the following apply:

  • Ranked scholastically in the upper 20% of his or her class.

  • Had a “B” grade average or better.

  • Had an average of at least a 3.0 for all subjects combined.

  • Was included in the "Dean's List", "Honor Roll" or similar list.


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