Help Topics

HELP WITH QUOTES
 
SELECT HELP TOPIC BELOW:
  1. Previous User
  2. Password
  3. Confirm Password
  4. Key Question
  5. Answer to Key Question
  6. Years as a licensed driver in the U.S.
  7. Years of continuous coverage
  8. Relationship to Primary Driver
  9. Good Student Discount
  10. Number of Major Violations
  11. Number of Minor Violations
  12. Number of At-Fault Accidents
  13. Usage
  14. Garaging ZIP
  15. Financial Responsibility Filing Required
  16. Type of parking
  17. Annual Mileage
  18. Primary Driver
  19. Owndership
  20. Anti-Theft Device
  21. Add Another Driver
  22. Add Another Vehicle
  23. Term
  24. Bodily Injury & Property Damage Liability
  25. Uninsured Motorist Bodily Injury (UMBI)
  26. Uninsured Motorist Property Damage (UMPD)
  27. Medical payments
  28. Roadside Assistance Program (RAP)
  29. RAP - The Basic Plan
  30. RAP - The Premium Plan
  31. Collision Deductible Waiver
  32. Comprehensive Deductible
  33. Select Coverages by Type
  34. Your Recommended Program
  35. A.M. Best Rating
  36. General Coverage
  37. Vehicle Photos
  38. Student ID
  39. Collision
  40. Comprehensive
  41. Recalculate
  42. Discounts
  43. Fees
  44. Source
  45. Payment in Full
  46. Monthly payments
  47. Installments
  48. Credit Card Number
  49. Bank Account Number
  50. Bank Routing Number
  51. Previous Insurance Company
  52. Duration of previous Insurance
  53. SR-22 or SR-1P Filing
  54. VIN#
  55. Finance/Lease Co.
  56. Add Ticket
  57. Add Accident
  58. Check other Programs
  59. Auto Policy Information page (Dec Page)
  60. ID Cards
  61. Policy Jacket
  62. Endorsement Forms
  63. Briefly Describe Incident
  64. Describe Vehicle Damage
  65. Witnesses
  66. Additional Information
 

PREVIOUS USER

If you have visited our "quote" pages previously, we have saved your information for your convenience.

When you select this option you will be taken to the login page and then to a history of your activity on our site. You will be able to resume getting or refining your quote.

By the way, thanks for coming back.

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PASSWORD

For your security we recommend a password composed of numbers and letters. The letters should be in upper and lower case.

EXAMPLE: 35aB47cD

You may also want to write this number down and keep it somewhere safe.

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CONFIRM PASSWORD

When you re-enter the password it must be entered exactly the same as the first time taking into account upper and lower case letters.

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KEY QUESTION

Pick a question you will be certain to remember. It doesn't have to be tricky at all, just information only you would know the answer to.

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ANSWER TO KEY QUESTION

Enter the answer to the question you entered earlier. You may want to note this information and keep it safe if there is any chance you might forget it.

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YEARS AS A LICENSED DRIVER IN THE U.S.

This is the number of years and months you have been licensed in the U.S.

EXAMPLE 1:
You are 30 years old and were licensed at 17. Therefore you have been licensed for 13 years

EXAMPLE 2:
You are 41 years old and were originally licensed in New York at 20. Then you came to California and got licensed here when you were 28. You have been licensed for a total of 21 years

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YEARS OF CONTINUOUS COVERAGE

Your insurance coverage is continuous if: To get the best rates you will need to prove continuous coverage. It's easy. Your current broker or company can provide you with documents verifying how long you have been covered. Note that only proof of coverage within the USA is acceptable.

Select a range of years from the drop-down box that best describes how long you have been continuously covered.

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RELATIONSHIP TO PRIMARY DRIVER

Please indicate the relationship the additional driver has to the primary driver.

In order to get the correct rate you must include or exclude any driver in the household of driving age who might use the insured vehicle(s).

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GOOD STUDENT DISCOUNT

If your are a good student you may qualify for a discount on your Premium.

You will need to provide us with a transcript of your grades.

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NUMBER OF MAJOR VIOLATIONS

Major violations include:
  • (DUI) Driving Under the Influence
  • Reckless driving
  • Driving on a Suspended license
  • Hit and Run
  • Evading Police
  • Speed Contest
  • Speeding over 100MPH
You can find out how many major violations you have on your driving record by contacting your local DMV.

This information will be verified at the time you purchase your policy.

Important:
The information we develop could affect your rate or eligibility for coverage.

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NUMBER OF MINOR VIOLATIONS

Minor violations include:
  • Speeding
  • Failure to stop (sign or light)
  • Illegal turns
  • Lane violations
You can find out how many minor violations you have on your driving record by contacting your local DMV.

Important:
The information we develop could affect your rate or eligibility for coverage.

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NUMBER OF AT-FAULT ACCIDENTS

You are considered At-Fault if you were involved in a "Solo" accident. This is where yours was the only car involved and you hit something like a parked car or a tree.

Your driving history will be verified with the Department of Motor Vehicles (DMV).

As your driving record is the key element used in rating your policy, in order to receive an accurate rate it is essential for us to have accurate information.

Important:
The information we develop could affect your rate or eligibility for coverage.

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USAGE

COMMUTE
You use your vehicle primarily to drive back and forth to work or school.

PLEASURE
You drive your vehicle infrequently. You do not use it to commute or for business purposes. This could include sports or luxury cars that you drive only occasionally.

ARTISAN
An Artisan is a skilled craftsman. Artisan usage is when you use your vehicle to carry work-related tools and materials back and forth to work site(s). (Note that your tools and materials are not covered.)

Examples would be:
  • Contractor
  • Electrician
  • Landscaper
BUSINESS
You travel from place to place for business. For example, business use applies to salespeople, real estate brokers, lawyers, or doctors who use their vehicle to go to and from appointments outside of the office.

Vehicles that are owned or leased by businesses or corporations may not be acceptable on a regular auto insurance policy.

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GARAGING ZIP

Indicates the Zip code of where your vehicle is parked overnight.

Where your vehicle is parked overnight may decrease or increase the amount of risk to your vehicle. This of course can change your rate.

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FINANCIAL RESPONSIBILITY FILING REQUIRED

If you are required to file an SR-22 or SR-1P you must select which from the drop-down list. To get more information about these documents, click on the words and more detailed definitions will be provided.

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TYPE OF PARKING

How and where your vehicle is parked may decrease or increase the amount of risk to your vehicle. This of course can change your rate.

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ANNUAL MILEAGE

Annual mileage is the total distance you drive this car during a year. If you are unsure you can apply the following simple formula to determine your annual mileage.

Take your one-way commute miles times 500 and add 5000 miles for weekend and vacation use.

Example: Commute = 7miles times 500 = 3500 miles + 5000 miles = annual mileage of 8500 miles.

If you do not commute, please indicate the total distance you drive this car during the year.

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PRIMARY DRIVER


This is the person who drives the vehicle to work or school or uses it in business. If the vehicle is not used for such purposes, the primary driver will be the one who uses the vehicle most of the time.

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OWNERSHIP


Owned: You own the vehicle outright.

Leased: If the vehicle is leased you may be required to have higher limits of liability to protect the leasing company. You should also have comprehensive and collision to protect the vehicle itself.

Financed: If the vehicle is purchased through a bank or other lender you will be required to carry comprehensive and collision to protect the bank's or lender's interest.

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ANTI-THEFT DEVICE


If you have an Anti-Theft device, such as an alarm or the "LoJack" system installed on your vehicle, you may qualify for a discount on your comprehensive coverage.

Be sure to make note of that here.

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ADD ANOTHER DRIVER


Most insurance companies will require you to name all possible drivers over the age of 14 years living in your household.

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ADD ANOTHER VEHICLE


We recommend that you include all of your owned vehicles on this policy. You can also include vehicles owned by your spouse and sometimes those owned by your children living at home.

Some companies give discounts for multi-vehicle policies.

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TERM


The term is the period of your insurance coverage. The terms available to you are 6 months or 12 months.

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BODILY INJURY & PROPERTY DAMAGE LIABILITY


Bodily Injury (BI) provides coverage (protection) for people that are hurt in an accident where you were at fault. This also covers legal defense costs that occur as a result of an accident you cause.

Even if your car is being driven by your child and is involved in an accident (not necessarily your child's fault), it's still your vehicle, so you are liable.

Property Damage Liability (PD) provides coverage (protection) for other people's property damaged in an accident where you are at fault.

In California, the state requires that you have both BI and PD coverage in the following minimum limits:
  • $15,000 bodily injury per person
  • $30,000 maximum per accident
  • $5,000 property damage per accident
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UNINSURED MOTORIST BODILY INJURY (UMBI)


Uninsured Motorist Bodily Injury (UMBI) pays for personal injuries you and your passengers suffer in an accident caused by an uninsured driver.

This coverage applies to Bodily Injury losses only.

In California, insurance companies must offer this coverage. If you do not want this coverage you must specifically reject it.

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UNINSURED MOTORIST PROPERTY DAMAGE


If you have Uninsured Motorist Property Damage (UMPD) coverage your insurance will cover damages caused by another motorist who is unable to pay because he or she is uninsured.

This coverage applies to Property Damage losses only.

In California, insurance companies must offer this coverage. If you do not want this coverage you must specifically reject it.

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MEDICAL PAYMENTS


Medical Payments coverage pays for you and your passenger's injuries and related medical expenses. If you have personal medical insurance it will usually be applied before your Medical Payments coverage.

If you had Blue Cross, for example, it may provide benefits before your Auto Medical coverages.

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ROADSIDE ASSISTANCE PROGRAM (RAP)


RAP is a comprehensive package of coverages to supplement your auto policy. It includes limited coverage for personal effects, emergency transportation, towing and emergency road service, and accidental death. There are options for limited vacation protection and rental if your vehicle is involved in a collision.

For your convenience we offer two levels of coverage.

For further details on available RAP plans please follow the links below:
  1. Basic Plan
  2. Premium Plan
WARNING:
No coverage exists if driving while under the influence of alcohol/drugs.

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THE BASIC PLAN


Here is an example of a RAP Basic Plan:

Personal Effects Loss * $300
Legal Expense Reimbursement 50% of Bail Bond Premium of your claim for damages, or $500 which ever is less.
Bail Bond Premium $300
Emergency Transportation $150
Towing & Emergency Road Service $30
Accidental Death Indemnity $3,000

Optional Coverages:
Vacation Protection Allowance $12 a day/$144 per year
Reimbursement for loss of use by collision $12 a day/$120 per year
* Excluding radios, special
equipment, tapes, etc.

Refer to the Policy Booklet for
all of the specifics.

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THE PREMIUM PLAN


Here is an example of a RAP Premium Plan:

Personal Effects Loss * $400
Legal Expense Reimbursement 50% of Bail Bond Premium of your claim for damages, or $600 which ever is less.
Bail Bond Premium $400
Emergency Transportation $175
Towing & Emergency Road Service $40
Accidental Death Indemnity $4,000

Optional Coverages:
Vacation Protection Allowance $32 a day/$384 per year
Reimbursement for loss of use by collision $15 a day/$150 per year
* Excluding radios, special
equipment, tapes, etc.

Refer to the Policy Booklet for
all of the specifics.

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COLLISION DEDUCTIBLE WAIVER


Collision coverage pays for damages, less your deductible, for the cost of repairs or the actual cash value (ACV) of your car, whichever is less, regardless of who is at fault.

Collision coverage is available only with a deductible, although there may be times when your deductible is waived.

For example, when damage to your car is caused by an uninsured driver and a collision deductible waiver (CDW) has been purchased, your deductible may be waived providing certain conditions are met.

As with comprehensive coverage, if you are financing your car, the lienholder may require collision coverage.

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COMPREHENSIVE DEDUCTIBLE


If your car is damaged by fire, theft, vandalism, glass breakage, windstorm damage or even contact with an animal, comprehensive coverage will pay, less your deductible, for the cost of your repairs or the actual cash value (ACV) of your car, whichever is less.

Comprehensive coverage does not include wear and tear, engine failure, or other mechanical difficulties. When you are financing your car, comprehensive coverage may be required by the lienholder.

Comprehensive deductible is the amount you have to pay out of pocket before your insurance kicks in. Deductibles come in different amounts, but generally they are $100, $250, $500 or $1,000.

Suppose you have $3,000 in damages and your deductible is $500. If you have an accident your insurance will cover $2,500 and you pay the other $500 out of your own pocket.

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SELECT COVERAGES BY TYPE


We have grouped coverages in the drop-down by typical selections. Please choose the one most appropriate for your needs or create your own combination of coverages.

Minimum coverage required by law:
$15,000/$30,000/$5,000 BI/PD
Roadside Assistance Program Basic Plan

Leased vehicle limits:
$100,000/$300,000/$50,000 BI/PD
Comprehensive with $1,000 deductible
Collision with $1,000 deductible
Roadside Assistance Program Basic Plan

Full coverage:
$15,000/$30,000/$5,000 BI/PD
Comprehensive with $1,000 deductible
Collision with $1,000 deductible
Roadside Assistance Program Basic Plan

Extended Full coverage, The Works!
$100,000/$300,000/$50,000
$15,000/$30,000 UMBI
$3,500 CDW/UMPD
Comprehensive with $1,000 deductible
Collision with $1,000 deductible
Roadside Assistance Program Premium Plan

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YOUR RECOMMENDED PROGRAM


Based on the driver and vehicle coverages you requested, Survival recommends the listed company for your auto insurance .

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A.M. BEST RATING


A.M. Best is the number one company that rates the financial strength and operating performance of insurance companies. This is a good indicator of their ability to pay claims.

They are the definitive source of information on the financial condition of insurance companies worldwide

Their highest rating is A++

A to A++ is excellent to superior.

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GENERAL COVERAGE


You may add, delete, increase or decrease any of the coverages in this section. Click the appropriate drop-down list box and select any of the changes you require.

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STUDENT ID


Some Policies offer a discount to full-time students. This discount is often known as a Good Student Discount. Typical qualifications are:
  • "B" or better grade point average
  • Enrolled in an accredited school
  • Evidence of Good Student status in the form of a grade report card or evidence that the student is in the upper 20% of the class, or is on the Honor Roll or Dean's List.
  • Grades obtained from the Internet may not be acceptable proof.
Proof must be submitted on each annual renewal of the policy.

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COLLISION


A form of automobile insurance that covers loss to the insured's own vehicle caused by collision with another vehicle or object or upset (overturning of the vehicle).

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COMPREHENSIVE


Traditional name for physical damage coverage for losses by fire, theft, vandalism, and or falling objects.

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RECALCULATE


If you decided to change some of the information entered earlier select this button and your quote will be recalculated.

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DISCOUNTS


You may be eligible for a number of discounts that reduce the overall cost of your policy. You may be required to provide documentation to prove eligibility to take advantage of these discounts.

Typical discounts are:
  • Good Driver
  • Multi-Car
  • Persistency (Proof of prior auto liability coverage)
  • Mature Driver
  • Multi-Policy
  • Anti-Theft
  • Groups such as:
  • Scientists and Engineers
  • Educators
  • California Medical Association
  • Business/Professional Associations
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FEES


The following fees may or may not be assessed based on what services and options you chose for your policy:

Fraud $1.00/Car assessed by the State of California to cover the cost of investigation and prevention of fraudulent claims.
SR-22/SR-1P This fee may vary. The fee is per DMV filing requested, and is for providing proof of financial responsibility to DMV.
Reporting Fees Various charges for DMV motor vehicle reports or other reports required to properly rate your policy.
Policy Fees This fee may vary depending on the company you chose. It is to cover the cost of initiating and issuing your policy.
Broker Fees This fee may vary. It is for managing and servicing your account throughout your policy term. This includes assisting you with reporting claims.

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SOURCE


The drop-down list provides every place we can think of where you may have heard about our services. In some cases bonuses are made to referring persons or organizations, therefore we are grateful to get this information.

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PAYMENT IN FULL


You may pay the entire amount of your Premium if you choose.

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MONTHLY PAYMENTS


If you wish, we will arrange monthly payments. The amount you see here takes into account all charges.

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INSTALLMENTS


Another payment option is to pay a small down payment, and then pay the balance of the premium in several equal payments, spread over the course of your coverage period.

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CREDIT CARD NUMBER


When you enter your credit card number, be assured we are going to take every precaution to keep it as secure as possible with modern technology. Your security is truly more than just good business. When the time comes for you to renew, we want your business.

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BANK ACCOUNT NUMBER


If you are paying by electronic check processing, which as you have noted, can be either from your checking account or your savings account, we will need to have the account number to complete this part of the Purchase process.

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BANK ROUTING NUMBER


Your electronic check will be based upon the banking numbers found on your regular paper checks. You will want to have one of your checks in front of you as you complete this form. Once the form is completed and transmitted to us we will create a bank draft on your checking account which will be deducted from your account just as if you had sent us a regular paper check.

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PREVIOUS INSURANCE COMPANY


Please select your previous insurance company(s) from the drop-down list. If you do not find the company on this list, select [other] and provide the company name in the space provided.

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DURATION OF PREVIOUS INSURANCE


Please select the amount of time you were covered by the previous insurance company(s) you selected earlier.

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SR-22 OR SR-1P FILING


Are you required to file an SR-22 or SR-1P?

These are documents called filings, required by the DMV to show proof that you have liability insurance.

Both the SR-22 or SR-1P are forms that are filed with the DMV to show proof of auto liability insurance. They are issued along with your auto liability policy. In fact, they are only valid while your policy is active. If you let your policy lapse, the SR-22 or SR1P is automatically canceled.

The SR-22 is for drunk driving, DUI convictions, driving without insurance and various other offenses, where a court has ordered that you must have official proof of insurance.

The SR-1P is usually required if you've had accidents when you were uninsured.

The Department of Motor Vehicles will not accept any other form (policy, identification card, etc.) as a substitute for the SR-22 or SR-1P.

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VIN# - Vehicle Identification Number


A seventeen digit alphanumeric designation used by automobile manufacturers to identify a motor vehicle. The last six numbers are the vehicle's serial number.

This number can be found on your automobile registration.

Older model cars (19xx and earlier) may have less than 17 digits. Don't worry about this, just type in the numbers from your registration.

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FINANCE/LEASE CO.


The Finance Company is the financial institution (bank, credit union, etc) you are making payments to for your vehicle.

The Lease Company is the leasing company you are making lease payments to.

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ADD TICKET


Please indicate any tickets or traffic violations that you received within the last three years.

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ADD ACCIDENT


Please indicate any accidents that you were involved in within the last three years.

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CHECK OTHER PROGRAMS


You have the ability to compare the available rates from several companies that offer policies which fit your requirements.

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AUTO POLICY INFORMATION PAGE


This is the portion of your contract that gives the "who", "what", and "how much" of what is being insured as stated in the application.

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ID CARDS


In California you are required to have proof of insurance with you when driving at all times. Your ID Cards provide that proof.

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POLICY JACKET


The Policy Jacket is usually a printed booklet that describes in detail the Terms and Conditions of insurance coverage.

The Policy Jacket, along with the Declarations Page, any Endorsements and the application, forms the contract of insurance.

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ENDORSEMENT FORMS


An endorsement is a written agreement attached to a policy to add or subtract insurance coverages. Once attached, the endorsement takes priority over the original provisions of the policy.

There are forms for these written agreements. They should be a part of your policy jacket (booklet).

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BRIEFLY DESCRIBE INCIDENT


Here are some important things your claims person will want to know:
  • Names of nearest cross streets to the accident
  • Direction you were traveling in and direction other car(s) were traveling in
  • If on freeway what was the nearest on-ramp, off-ramp
  • What lane were you in
  • What were the conditions when the incident occurred
  • Then a brief description of what happened
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DESCRIBE VEHICLE DAMAGE


As with all such information, it is important that this information be accurate.

Describe what parts of the vehicle were damaged and in what way.

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WITNESSES


Please list all witnesses, their names and phone numbers.

Use the Additional Information window at the bottom of the page.

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ADDITIONAL INFORMATION


Any additional details about the incident will help speed the claims process.

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Sacramento Auto Insurance Center, Inc. DBA Survival Insurance License 0C13463