FAQ's

How do I get a quote?  We provide instant quotes on several different types of insurance policies available on the Insurance Quote page

How do I buy a policy from InsuranceBeacon.com? It's as easy as 1, 2, 3...
1. Obtain an instant quote. This will help you to see the potential savings you could realize by buying a policy through one of our quality carriers.
2. Provide us with the additional information needed to qualify your quote. Our customer service agents are experienced professionals that can help you to qualify for the most preferred best-priced policy available.
3. Bind your policy. Our customer service agents work with you online to bind your policy, all in real-time. You will receive your ID cards or Evidence of Insurance certificate instantly, where applicable, plus any other important documentation that applies.

Why should I use an independent agency and specifically InsuranceBeacon.com? Since we are an independent agency we work with several different carriers to find you the best coverages at the best prices. We are not an employee of the insurance carrier and can therefore provide to you unbiased advice and help with your policy. Saving money is another advantage for doing business with us. The way we do business has allowed us to be more profitable that a traditional brick and mortar independent agency. This has allowed us to sell our policies at a lower commission and thereby pass the savings on to you the consumer. You may find that the premium quote you receive from us is lower than another company for the same policy.

How do I make a change to my account? We want to make communication with us as easy as possible. One way is to tell us directly by phone, email, chat, voice over Internet, or online form. We will be happy to make any changes to your policy you request. Another way may be to contact your insurance carrier directly. Many companies today allow the policyholder to contact them directly 24/7. You can find a company directory on our site that will give contact information for each of our carriers. We are currently working with our carrier to provide instant policy changes directly through our site. Many of our companies already provide this service directly (an additional login to the carrier site required).

What states are you currently doing business in? As of the end of 2002 we are writing certain types of policies in Arizona and California. We have currently teammed up with several other providers to provide quotes in all states for several products.

What is the rating of your company? InsuranceBeacon.com, Inc. is the insurance agency. We are your agent and thus do not insure you directly, but represent several insurance companies that underwrite your insurance through us. We only write policies through carriers that are well established and maintain at least an A.M. Best rating of A-. You can see the ratings of each of our carriers in the company directory.

How accurate is the initial "instant quote" I receive? Your quote depends on many factors that are different from company to company and may include factors such as age, sex, zip code where you live, the type of vehicle you drive, the use of the vehicle, and credit score. The "instant quote" that you receive is an estimate based on several, but not necessarily all factors, plus some assumption that are made for the sake of your time and convenience. This quote represents a "ball park estimate" and the final rate could be more or less depending on the final verification process.

Why is credit important to an insurance carrier? While your credit score will not prevent you for obtaining coverage, it may help you to qualify for a more preferred product. Many insurance carriers today have found that there is a direct correlation to an insured's credit rating and the chances of them having a claim. While this obviously isn't true in every case, the numbers are clear that there is a correlation. For more detailed information visit the web site for National Association of Independent Insurers and click the underlined word "credit" within the text of the site.

Can I get coverage advice? You bet! That's what we're here for. We want to help you find the best coverage at the best price with one of our leading insurance carriers. Our experienced team has many years experience writing many different types of policies for many different types of individuals and businesses. Ask us, we're here to help!

How can I save money on my policy? There are several ways to save money on your policy. Our experienced professionals are well trained to recognize opportunities to help you save money including deductible and coverage limits reviews and making sure that all appropriate credits have been applied.

Can I switch to InsuranceBeacon.com before my renewal date? Absolutely. However, we advise that you check with your current carrier to see what penalties if any will be assessed for an early termination of your policy and how long a refund of your premium might take. Most carriers will simply pro-rate your premium and refund the unearned portion of your premium.

Can I use InsuranceBeacon.com as my agent if I am already insured through one of the companies you represent? You bet! Simply fill out the agent of record form and submit it, we do the rest. Contact us first if you would like and we will be happy to assist you.

How can I get another proof of insurance or ID card? Simply login under the "manage my account button" and you will find an option to print another card. You will also be given the option to fax proof of insurance to where ever you would like. This comes in helpful for those occasions that your mortgage company or the car dealer is looking for proof of insurance.

Are my payment and other information that I provide secure? Absolutely! We are very serious about your privacy. We use a secured site to help insure that your information is protected. Please read more in our Privacy & Security Policy.

In what ways can I contact your company? Simply put, any way that you would like. We can be reached by telephone, email, text chat, voice chat, or snail mail. We want to make it as convenient as possible to do business with us. Visit our contact information page for more details and numbers.

How do I submit a claim? Your claim will be handled directly by your carrier. The claims department phone number can be found in our company directory as well as listed on the correspondence that you receive from your carrier. Feel free to contact us for this information as well. Our companies are very helpful and professional at handling your claim. On the occasion that you are not satisfied with the way thing are being handled we are more than happy to step in help settle the conflict. We are your agent and are here to help you in any way we can.

What are your hours of operation? We generally have phone hours between 9:00am to 5:00pm M-F Pacific Standard Time. However, many of our reps are working much earlier or later than that and may be available by chat. If you don't get someone immediately please leave a message and one of our representative will get back with you promptly. Most of our carriers, however, are open 24/7 and can assist you with any questions or changes you may have. Check out our company directory for contact information on your company.