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Frequently Asked Questions Personal

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Where are you located?

We have two locations in California, one in Rancho Cordova and one in Anaheim. We serve all 50 states.

What are your office hours?

We are open during the following hours:
Monday – Fridays 8am -7pm (PST)
Saturday 9am-5pm (PST)

What states do you do business in?

We are happy to serve customers in all 50 states.

How do I make changes to my policy? Ex. adding or deleting vehicles. 

Making policy changes is simple! Please call (855) 777-6836 and our agents can help you make the changes you need.

Why do my rates increase every 6 months to a year on auto?

This will depend on the insurance carrier you use and their industry rating. However, rates do not always increase. If you see an increase in your rate and you are unsure why, please give us a call at (855)777-6836 and we can assist you.

How do I file a claim?

The claim process is dependent on your carrier, gives us a call at (855) 777-6836 and we can guide you through the process.

Where do I go to make a payment?

The payment process is dependent on your carrier, give us a call at (855)777-6836 and we can guide you through the process.

When are my payments due?

Payment due dates will depend on your specific policy, please refer to your contract or call us at (855) 777-6836 to talk to your agent for exact dates.

Why did my payment go up?

Payment increases depend on your specific case. Some reasons why your payment could increase is due to a policy rating change or carrier increase. If your payment increases and you are unsure why or feel there is a mistake, please call your agent today at (855) 777-6836.

What is my deductible?

Your deductible will be listed on your policy. If you have questions about your deductible or are unable to locate it please give us a call at (855) 777-6836 and one of our agents will be happy to help you.

What are my coverages?

Your coverages will be listed on your policy. If you have questions about your coverage, or unsure if you are fully covered please give us a call at (855) 777-6836 and one of our agents will be happy to help you.

How long have you been in business?

Inszone Insurance has been in business since 2002. Serving customers with their commercial insurance needs for over 15 years.

Why did my rates go up?

Rate increases depend on your specific policy. If your rate increases and you are unsure why or feel there is a mistake, please call your agent today at (855) 777-6836.

Why did the annual mileage on my policy change?

Some insurance companies require proof if your annual mileage is rated below national averages. If you think the annual mileage on your policy should be updated, please call your agent today at (855) 777-6836.

Why did the insured property value increase this year?

Some Home Owners Insurance policies are designed to increase the valuation of your property each year at renewal.  If you would like to discuss the valuation of your property, please call your agent today at (855) 777-6836.

What insurance companies does Inszone work with?

We work with a large variety of insurance companies depending on the risk. Head over to our partner page to see some of our biggest partners.

Is Inszone Insurance Services an agent or a broker?

Depending on the insurance company, Inszone Insurance Services, Inc. may be acting in the capacity or an agent or broker.

What are the differences between an agent and a broker?

There are several differences between an agent and a broker.  A broker typically has no binding authority and is considered a third party to the insurance company.  An agent typically has some form of binding authority and is considered a related party to the insurance company.

Why should I work with Inszone Insurance Services?

We do the shopping for you. As an independent agent, we are able to shop all relevant insurance companies and provide you with the best coverage at the best rate.  We have knowledgeable staff standing by ready to help.

Is my policy premium financed?

Depending on your specific policy, your policy premium may be financed through a premium finance company such as Classic Plan.  Premium financing is used when the insurance company does not offer an installment plan.

How do I reach my premium finance company?

Your premium finance company varies depending on your specific policy. Please give us a call at (855)777-6836 and we can direct you to the appropriate company.

What does my insurance cover?

Your coverage is dependent on your policy and you personal needs. If you have question on your coverage please contact your insurance agent at (855)777-6836.

How much does it cost?

Cost is dependent on your coverage needs and your policy. For a free quote please call us today at (855)777-6836.

When is my premium due?

Premium due date is dependent on your specific policy. If you need your premium dude date please contact your insurance agent at (855)777-6836.