Auto Insurance Checkup

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Please Check YES or NO and provide brief explanation if necessary

Are you presently insuring all the vehicles in your household that you own?

Does Howes Insurance insure all your vehicles?

Are all your vehicles garaged at your primary residence?

Do you have a vehicle furnished for your regular use that you do not own, such as a company vehicle?

Are all of the licensed drivers in your household listed on your auto policy?

Have any of your household members moved from your home, but have not been removed as drivers on your policy?

Do you have any new household members that need to be included or excluded from your auto policy?

Do any of your children (age 16 to 24) qualify for the “Good Student Discount”? (3.0 GPA or better and enrolled full-time)

Are any of your children 100+ miles away at school without a vehicle?

Do any of your vehicles have non-factory installed equipment such as stereos, TV’s, Etc. that need to be specifically insured?

Are your liability limits adequate to protect your assets / net worth? For example, most people have $100,000 auto property damage liability limits.

Is your net worth greater than $100,000? If so, you need to update your insurance program.

Does your uninsured and underinsured motorist coverage provide protection equal to your liability limits? (We recommend minimum of $250/$500 limits)

If your vehicle(s) were damaged in an accident, would you want your policy to reimburse you for a rental vehicle while yours is being repaired?

Would you be interested in increasing the deductibles on your comprehensive and collision coverage for a reduction in premium?

Is the outstanding balance of the loan/lease for any of your vehicles greater than the vehicles worth?

Do you own a vehicle for which it is difficult to establish a value?

Do you ever drive outside the United States and it’s territories?

Do domestic employees (nanny, etc.) ever operate your vehicles?

How likely is it that you will recommend The Howes Insurance Group to your family and friends?

(Please rate from 1-10 with 1 the least likely and 10 being the most likely).