Frequently Asked Questions About Insurance

Car rental companies can charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in the rental agreement). When you get the behind the wheel of a rental car, your liability insurance coverage follows you. You have the same limits as you currently have with us, so if you do get in an accident and are found to be at fault, you are covered. However, please be aware that your comprehensive and collision coverage, if you do have them on your regular insurance policy, do NOT follow you from vehicle to vehicle. This means if you do have an accident and there is damage sustained to the vehicle, you will be responsible for the damages. This is why rental car companies offer the CDW coverage mentioned above.
A deductible is the money you agree to pay out of pocket before your insurance kicks in and picks up the rest. The higher the deductible, typically the lower the premium. By having a lower premium you do assume a higher level of risk, so make sure to place your deductibles wherever you feel most comfortable.
Good question. It varies individual to individual and what type of policy(s) you have. Generally speaking, the more financial assets you have, the greater you are at risk, and therefore will need additional insurance coverage. If you want to get into more specifics, call us at the office at (512) 331-5610 and we will pass along a coverage recommendation.
The general recommendation is that if you are the primary breadwinner, 10 times your annual salary. If you are not the primary breadwinner in your family, such as a stay at home mom or dad, then 5 times the breadwinner's annual salary.
We recommend contacting Greg first at (512) 797-5996 to check your options and give you the best steps to move forward. You can also reach out to Farmers claims department on your own as well. That number is 1-800-435-7764.
If you need to make a payment online but can't login, call Consumer Solutions at 1-888-327-6335.
At the Greg Hart Agency we do our best to make sure you receive any and all discounts available to you on your policy. However, sometimes we slip up and miss something, so if you believe you are eligible for a particular discount, please call us at (512) 331-5610 or e-mail us at info@ihartinsurance.com and let us know.
It depends on what you are looking for. In terms of the cheapest premium, one-pay is the best payment plan. For convenience, a monthly EFT gives you the ability to set it and forget it. Of course, you can always choose to pay your premium on your schedule anytime with a regularly monthly option before the due date online.