1. Coverage? Carriers? Agent? What does it all mean?
Whether you’ve had insurance or not before, it can be a lot to take in. If you need help understanding insurance, look no further than our Resources.
2. Why should I choose GPA Insurance Agency?
We are an independent insurance agency, which enables us to sell insurance from multiple companies. This means that when you buy insurance from us, you aren’t paying for a product created by GPA Insurance Agency. After evaluating your needs and comparing rates from multiple companies, we provide you with a policy from a certain insurance brand. As experienced insurance agents, we are backed by years of industry knowledge and use that knowledge to guide you. We act as your adviser in the event of a claim, if your rates go up, or when you need to add another policy.
The benefit of this is that you get more options. You’ll be able to purchase insurance from various companies, as opposed to being limited to just one, allowing you to find policies that are more customized for you. It’s also convenient, since we’ll do the research for you and compare prices to help you decide which policy best suits your needs.
3. Which insurance companies does GPA Insurance Agency represent?
Check out our list of carriers. We choose to work with only the top rated insurance companies as rated by A.M. Best. By only working with the best companies, we make sure that you have a wide selection of reputable insurance providers to choose from. We represent over 20 top-rated companies and are licensed to provide you with insurance from any one of them.
4. Why would I switch my insurance to GPA Insurance Agency if I already have it somewhere else?
One of the biggest reasons you might switch is because of our ability to compare prices from multiple carriers. “Captive” agents (agents who only work with one company) can only offer you prices from their company. We can shop with multiple carriers for you to get the most competitive rates.
Having multiple policies — like home and auto can also potentially get you more discounts. If you have only one kind of insurance with us, it may benefit you to switch more of your policies to our agency so that we can bundle and save you money.
5. How do I get my vehicle insurance ID cards?
When your policy is first activated, your insurance company should send your ID cards to your mailing address.
If you never received them or if you need replacement ID cards, you can access the login portal for your insurance carrier and print them out. Or you can call, email, or stop in at our office to request them.
6. How do I view my policy?
Your policy information is available on your declarations page. Declaration pages are created every time a new policy is created and when changes to a policy are made. If your mailing address is correct with your insurance company, you will receive these documents in the mail directly from them.
We can also provide these documents at your request. Call, email, or come into the office to request these documents. See our contact information and office hours here.
7. How do I make a payment?
You have many options to pay for your insurance policy. There are two main ways of making a payment:
Through your insurance company. Most companies have online login portals or pay-by-phone options.
Through GPA Insurance Agency. You can speak with a live person to help you process a payment. Our secure phone lines ensure your security and privacy.
Either way, the money goes to your insurance company, not GPA Insurance Agency. Keep in mind that most companies offer flexible payments options. You may receive a discount if you pay in full, but can also pay monthly. You can also set up automatically scheduled payments that draw from a checking/savings account, credit card, or debit card for your convenience.
Some homeowners choose to pay their insurance policy through their mortgage - this setup is also known as an escrow. This type of payment is an arrangement you make with your mortgage company and should inquire with them about.
8. How do I access my billing information?
Your billing information comes from the insurance company we help you find. If your mailing and email address are correctly updated with the company, you will receive billing information directly from the company. You’ll never receive a bill from GPA Insurance Agency.
Some companies offer online log-in services where you can view this information as well.
9. How do I modify or cancel my insurance policy?
To make a change or cancel your policy, you can call, email, or come by in-person. An experienced agent will take your request in and process the change. See our contact information and office hours here.
10. When should I and how do I make a claim?
You should contact an agent to make a claim as soon as possible after the event occurs. We recommend that you contact the insurance company for your policy, since they will handle your claim directly. However, you can also make a claim through us at GPA Insurance Agency. Simply send us an email, give us a call, or stop by in-person during our office hours. See our contact information and office hours here.
Please note that claims can only be made for accidental damage/loss.
11. How much will insurance cost for me?
To get an estimate of pricing, you can fill out an online form with your information to obtain a free quote. If there is not a form for the insurance you are looking for, this means that it is best to contact one of our agents to discuss pricing and coverage for this particular insurance.
12. Do I need to purchase insurance to get a quote?
No, there is no commitment or obligation required to get a quote. Quotes and consultation services are completely free.
13. How much coverage will I need?
You can learn about specific types of coverages on our Products page. Your coverage will heavily depend on your particular circumstances. For some types of insurance, such as auto insurance, there are state-required minimums. Contact an agent to discuss your needs. Our knowledgeable and experienced staff will be happy to assist and advise you.
14. Are there any discounts available?
There are plenty of discounts available through the insurance companies we work with. They vary from company to company, so be sure to discuss them with your agent. The more we know about your situation, the more discounts we know to look for. Common ones include multi-policy, good student, paid-in-full, and good claim/driving record discounts.