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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How do I add or replace a car to my existing policy?
  2. How do I make a payment on my policy
  3. My policy canceled for nonpay. Can it be reinstated?
  4. I just got a ticket/had an accident. What is going to happen to my rates?
  5. How do I delete coverages from my existing policy?
  6. What is the financial rating of my insurance company
  7. Why do you need my social security number? How does my credit affect my rate?
  8. How can I cancel a policy I no longer need?
How do I add or replace a car to my existing policy?
You can complete a request to add or replace a car to your policy on the website under the automobile section of the website, send us an email, or call us during normal business hours. If it is after our business hours, you may be able to contact the carrier directly. You can find links for most of our carriers on the website links.

Before requesting the change, you will want to have the VIN available for the new vehicle.  You will also need the lienholder name and address if you will have a loan on the vehicle.  We may need to have photos of the vehicle to add the comprehensive and collision coverage.

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How do I make a payment on my policy
You may make an online payment by selecting your carrier on the Make a Payment section of our website.  If your carrier is not listed, you may be able to contact the carrier by phone to make a payment.  You may also stop by our office to make a payment or mail a payment direct to the company. 

If you mail your payment, some companies will honor your postmark date, while others will require the payment be in their office by the due date.  Please call our office or your carrier if you are not sure if the payment will be received on time.

If you policy is already canceled, you may not be able to make a payment online.  Please call our office to see if you policy can be reinstated or to obtain a quote for a new policy.

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My policy canceled for nonpay. Can it be reinstated?
Some carriers will allow a policy to be reinstated with a signed statement of no losses and/or payment.  You may try to contact the company directly by phone or by clicking your carrier on the Make a Payment section of our website.

Please call our office if you need assistance contacting the company or if you are not able to have the policy reinstated by contacting the company directly.  We will be glad to assist you in getting the policy reinstated or providing you with a quote to start a new policy.

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I just got a ticket/had an accident. What is going to happen to my rates?
Most insurance companies will not add a charge for a ticket or accident until the next renewal following the incident.  There are many factors that go in to determining your rate, so it is very difficult for us to tell you exactly how much your rate will change at that time.

Keep in mind, Templeton Insurance Agency will always review your policy at renewal and will offer you the carrier that will offer the best coverages and rates for your current situation.  If your current carrier has a large rate change due to the new violation or for any other reason, we will search our markets for you.

We recommend taking defensive driving or deferred adjudication, if that is an option of the court, to prevent the citation from being on your motor vehicle report.  Remember, if you are involved in an accident and have a ticket dismissed, this does not remove the accident, and it will still show up on your motor vehicle report.  If you do take defensive driving, please forward a copy of the certificate to our office.  We may even be able to apply a discount for you!

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How do I delete coverages from my existing policy?
We will need your signed request before we can make changes which alter your coverage limits, remove drivers or vehicles.  In some cases we may also need to obtain your signature on additional forms.  It is best for you to call our office to verify if other information is needed to complete your request. 

You may send us your signed request by email (be sure to attach your signed request), fax, mail or stop by our office.  Include contact information on your request so that we may reach you if we need additional information

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What is the financial rating of my insurance company
You may check a Company's financial rating on AM Best's website, www.ambest.com.  Most of the carriers we represent have an A or better financial rating.  We continually monitor the rating of companies we represent.  If  a company falls below a B+ or we have other reasons for concern for the financial strength of a particular company, we will attempt to contact our clients with policies with that carrier and offer coverage with a company with a higher rating.

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Why do you need my social security number? How does my credit affect my rate?
Most Companies use a credit score in conjunction with many other factors to determine the rate they are willing to offer you for an insurance policy.  The credit score does not provide the company or the agent with individual information concerning your personal credit history, but only provides a number or level of acceptable credit.

State and Federal laws currently allow Insurance Companies to use credit as part of their underwriting process.  The companies have found a direct correlation between an individual's credit score and their claims history.  In many instances, the use of credit has allowed companies to offer better rates to individuals who would otherwise not qualify for a preferred rate!

Use of credit for insurance purposes is considered a "soft hit" and does not affect your credit score.

We do ask for your social security number to obtain an accurate credit score.  You can be assured that the information is kept secure.  If you do not write a policy with our agency within 8 weeks the information is shredded.  If you do write a policy, the information is maintained for a period of time as required by law and by our carriers, and then is shredded.

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How can I cancel a policy I no longer need?
If you are cancelling your policy due to a move out of State or a sale of your insured asset, please keep our agency in mind if we can help you in the future.

If you are cancelling for any other reason, please contact our office to see if we can resolve any issues or concerns you may have in regards to your policy.  We may a have a solution.

If we can not resolve the issue, we will need your signed written request to cancel your policy.  If you are requesting that we cancel the policy for a prior date, we will also need something showing you sold the asset or placed coverage on it it elsewhere.  You can email, fax, or mail your request or your can stop by our office. 

At Templeton Insurance, we are committed to providing excellent customer service and the best coverages and prices to meet your needs.  If we did not meet your expectations, please call our office and ask to speak to a Supervisor so that we may improve for the future.



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