FAQs

Insurance is a contract where you pay a premium to an insurer, and in return, they help cover financial losses due to specific risks like accidents, theft, or illness. Call our independent insurance agent in Temperance, MI today to learn more.

Insurance protects you from unexpected financial burdens such as car accidents, property damage, medical emergencies, or loss of life. Call our independent insurance agent in Temperance, MI today to learn more!

We offer the following types of insurance: Home Auto Boat RV ATV and UTV Motorcycle Dueling Manufactured home Flood Class and collector car insurance Golf cart insurance Travel trailer/camper insurance Life insurance Business owner policies Commercial property Commercial insurance policies Farm insurance Call our auto insurance company in Temperance, MI at Hicks Insurance Agency today!

Your driving record is one of the biggest factors insurance companies use to determine your auto insurance rate. If you have a history of accidents, traffic tickets, or serious violations, insurers may view you as a higher risk, and your premium could increase. On the other hand, maintaining a clean driving record with no claims or violations can help you qualify for lower rates and safe driver discounts. Most companies review the past 3-5 years of driving history when calculating your premium.

A deductible in car insurance is the amount you agree to pay out of pocket before your insurance coverage begins to pay for a covered claim. For example, if you have a $500 deductible and your vehicle has $2,000 in damage after an accident, you would pay the first $500, and your insurance would cover the remaining amount. Choosing a higher deductible can often lower your monthly premium, while a lower deductible usually means a higher premium.

Homeowners' insurance typically covers roof damage if it is caused by a sudden and unexpected event, such as a windstorm, hail, or a fallen tree. However, damage caused by normal wear and tear, lack of maintenance, or an aging roof is usually not covered. Coverage can also depend on the age and condition of the roof and the specific details of your policy.

Your insurance may increase after a claim, especially if you were found at fault for the accident. Insurance companies consider claims when evaluating risk, and a recent claim can sometimes result in a higher premium at renewal. However, the impact can vary depending on the type of claim, your driving history, and your insurance provider.

Comprehensive coverage helps pay for damage to your vehicle caused by events other than a collision. This can include things like theft, vandalism, fire, hail, falling objects, or hitting an animal. It provides protection for unexpected incidents that are outside of your control.

Collision coverage helps pay for damage to your vehicle if you are involved in an accident with another vehicle or object, such as a guardrail, pole, or fence. This coverage applies regardless of who is at fault and helps cover the cost of repairing or replacing your vehicle after the accident.