Frequently Asked Questions
Everything you need to know about protecting what matters most.
General Questions
How do I get an insurance quote?
You can get a free quote in minutes by calling us at (800) 555-SHIELD, using our online quote tool, or visiting one of our local offices. Our agents will help you find the right coverage for your needs.
What factors affect my insurance premium?
Premiums depend on several factors including coverage type, deductible amount, your location, claims history, and for auto insurance, your driving record. We'll explain all factors when providing your quote.
Can I bundle multiple policies?
Yes! Bundling your auto, home, and other policies can save you up to 25% on premiums. Our agents will help identify all available multi-policy discounts for your situation.
Claims & Coverage
How do I file a claim?
You can file a claim 24/7 through our mobile app, online portal, or by calling 1-800-CLAIMS. For auto accidents, we recommend documenting the scene with photos and exchanging information with other parties involved.
How long does the claims process take?
Simple claims are typically processed within 5-7 business days. More complex claims may take 2-4 weeks. You'll receive regular updates and can track your claim status anytime through our portal.
What is a deductible?
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Higher deductibles typically result in lower premiums. We'll help you find the right balance for your budget.
Policy Management
How can I make changes to my policy?
You can update your policy anytime by logging into your account, calling your agent, or visiting a local office. Changes like adding a vehicle, updating your address, or adjusting coverage limits take effect immediately.
What payment options are available?
We offer flexible payment options including monthly auto-pay, quarterly, semi-annual, and annual payments. Pay-in-full discounts are available, and you can manage payments online or through our mobile app.
Can I cancel my policy at any time?
Yes, you can cancel your policy at any time without penalty. If you've prepaid, we'll refund the unused portion. We recommend speaking with an agent first to ensure you maintain continuous coverage.
Have More Questions?
Our licensed agents are here to help you find the perfect coverage.