Frequently Asked Questions
Many insurers select their policy too quickly after purchasing a car. Don’t choose your auto insurance without carefully looking at the details of the policy. The insurance agents at Kouser Insurance Agency can help you compare policies in minutes and get an affordable rate with coverage to protect you, your car, and your passengers.
Car insurance rates can be based on your zip code, driving record, age, marital status, credit score, and choice of car. Of course, the amount of coverage that you decide to buy is an important factor when determining your rate. Choosing auto insurance at Kouser Insurance Agency is quick and easy. It takes our agents minutes to find the protection you need.
Homeowner insurance policies will consider your location, replacement costs, home improvements, and any home security systems. You can qualify for additional discounts by bundling your home and auto insurance, being a long-time customer, having a history of no claims, or choosing a higher deductible. This can also be done through paying your premium in one lump sum, being a first-time homeowner, being married or widowed, or living in an area with a Homeowners Association (HOA).
The limits on your policy should be high enough to cover the cost of rebuilding your home at current market rates. Be careful not to buy insurance based on your mortgage as it may not cover the cost of rebuilding.
When you are buying life insurance, individual needs vary. We recommend that you talk with one of our licensed insurance agents to help determine the right coverage for your lifestyle and your budget. You should also consider consulting your attorney or financial advisor for any financial planning advice.
Yes. Should your insurance needs change, you have the flexibility to convert your policy to whole or universal life at various times during the policy’s term. This benefit, however, does expire. You will not need another medical exam should you decide to convert your term policy to permanent insurance.
With many carriers, yes. More revenue often equates to more risk/liability, and the carrier needs to charge a premium to properly cover the risk.
There are too many variables to simply estimate a cost. Insurance carriers can have complicated rating systems and require accurate information to determine an actual price. Kouser Insurance is happy to work on getting you a custom, accurate quote as quickly as possible.
Let us find the right insurance policy for you.
Send us a message and we’ll get back to you with a custom policy that fits your unique needs.