The fine print, read aloud.
The questions every driver should ask a distributor — answered the way we answer them on the phone. Don’t see yours? Call. Asking is free.
Nothing. Like every independent agency, we’re paid a commission by the carrier you choose — it’s built into the premium whether you buy through a distributor, a captive agent, or the carrier’s own website. The rate is the same either way; the difference is that we shop fourteen carriers for it and a captive agent shops one.
No. Carriers use a “soft pull” insurance score for rating, which never affects your credit score and doesn’t appear to other lenders. One application with us rates across the whole panel — it does not generate fourteen separate inquiries. And we don’t resell your information, so quoting won’t summon a plague of spam calls.
The engine surfaces every carrier’s price for your exact profile; your advisor then weighs the things a price can’t show — claims satisfaction scores, how the carrier behaves at renewal, whether they’re strong for your specific risk. Our carrier scorecard is public on the carriers page. We recommend the best fit and show you the runners-up, and the choice is always yours.
More than the state minimum, almost always. Ohio’s 25/50/25 minimum hasn’t moved since 2013 while medical costs and car prices have; one ER visit can exhaust it. Our baseline recommendation is 100/300 bodily injury with matched uninsured-motorist limits — and we’ll show you the real monthly difference for your profile, which is usually far smaller than people fear.
Your carrier pays the claim; we make sure it’s paid right. File with the carrier (or call us and we’ll do it together), and our claims advocate — a former adjuster — reviews the valuation and the estimate before you accept anything. If the number is light, we push with comps and documentation. That advocacy is included, for every client, always.
For about half of drivers, genuinely yes — smooth daytime drivers with garaged cars routinely save 10–30%. For night-shift workers, hard brakers, and high-mileage commuters it can quietly raise rates at renewal. We compare each program’s actual scoring rules and tell you honestly which group you’re in. Sometimes the best telematics advice is “don’t.”
Almost certainly not. Personal auto policies exclude driving for hire, and the platform’s contingent coverage is thin exactly when you need it — the “Period 1” window when your app is on but no trip is accepted. A rideshare endorsement closes that gap for a few dollars a month. Not disclosing gig driving is worse: it’s grounds for claim denial.
Yes — you can switch any time, and your old carrier must refund the unused premium (pro-rated; a few charge a small short-rate fee, which we’ll flag before you decide). We time the new policy to start the moment the old one ends, so there’s no gap, and we handle the cancellation paperwork so your old carrier can’t “accidentally” keep billing you.