Frequently Asked Questions

Q: Can I pay my premium with a credit card?

A: Yes, depending on the company you have your insurance policies written with. Most companies now offer online payment services so you can conveniently pay your premium online with a credit card 24/7.

Q: I didn't receive a billing invoice. How can I find out how much I owe and when is my payment is due?

A: We can look that up for you or you can go online and look at the company website. Most companies offer billing information to their policyholders online.

Q: My neighbor says he pays a lot less for his auto insurance than I pay. Why is my premium so much higher?

A: Many factors influence how much premium you pay for auto insurance. For example, the types of vehicles, the coverages on the vehicles, the drivers assigned to a vehicle and how the vehicles are used, their location, and insurance scoring all play a role in determining the premium, just to name a few. When comparing your insurance with someone else's, you need to take into consideration the differences you may have.

Q: Does my homeowners policy cover damage from a flood?

A: Unfortunately, homeowners insurance policies do not cover flood damage. The only way you can get coverage for flood situations is with a flood policy. Remember, there is a 30 day waiting period from the day you apply for flood insurance for coverage to begin, so if you are thinking about getting a flood policy, the sooner you apply the better.

First Western Bank & Trust