Independent Retailer Notice: Insurance Package Plans, Inc. is an independent insurance quote comparison platform. We are not an insurance company, agency, or underwriter. We do not provide insurance quotes, bind coverage, or issue policies. Quotes, rates, and coverage options are provided by licensed insurance carriers and agents. Our service is 100% free to you.

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Frequently Asked Questions

Everything you need to know about getting insurance quotes

What types of insurance can I get quotes for?

We offer quote comparison services for a wide range of insurance products including auto insurance, home insurance, life insurance, health insurance, renters insurance, business insurance, and many more. Our licensed agents can help you find coverage for virtually any insurance need.

How do I get an insurance quote?

Getting a quote is simple. Just call our toll-free number at +1 888 712 0692. One of our licensed insurance agents will gather information about your coverage needs and provide you with personalized quotes from multiple insurance providers. The process typically takes just a few minutes.

Is there a cost to get insurance quotes?

No, there is no cost or obligation to receive insurance quotes through our service. We provide free quote comparisons to help you find the right coverage at competitive rates. Our goal is to help you make an informed decision about your insurance needs.

How do you find the best insurance rates?

We work with a network of licensed insurance providers across the United States. When you request a quote, we compare options from multiple carriers to find competitive rates that match your coverage needs and budget. Our agents are trained to identify discounts and savings opportunities.

What information do I need to provide for a quote?

The information needed varies by insurance type. For auto insurance, you will typically need driver information, vehicle details, and driving history. For home insurance, we will need property information and coverage preferences. Our agents will guide you through the process and explain exactly what information is needed for your specific quote request.

How long does it take to get a quote?

Most quotes can be provided within minutes during your phone call. For more complex coverage needs or business insurance, it may take a bit longer to gather all the necessary information and provide accurate quotes. Our agents work efficiently to get you the information you need as quickly as possible.

Are the insurance companies you work with licensed?

Yes, we only work with insurance carriers that are properly licensed to do business in their respective states. All insurance products are offered by licensed insurance companies that meet state regulatory requirements. Your coverage will be backed by established insurance carriers.

Can I get coverage if I have a poor driving record?

Yes, we can help drivers with various backgrounds find coverage. While rates may vary based on driving history, we work with multiple carriers who specialize in different risk profiles. Our agents can help identify options available to you regardless of your driving record.

What is the difference between liability and full coverage auto insurance?

Liability insurance covers damage you cause to others in an accident, which is required by most states. Full coverage typically includes liability plus comprehensive and collision coverage, which protects your own vehicle from damage. Our agents can explain the differences and help you choose the right level of coverage for your situation.

How much home insurance coverage do I need?

The amount of home insurance you need depends on factors like the replacement cost of your home, the value of your personal belongings, and your desired liability protection. Our agents can help you assess your coverage needs and recommend appropriate coverage limits.

Can I bundle multiple insurance policies?

Yes, many insurance carriers offer discounts when you bundle multiple policies together, such as auto and home insurance. Bundling can often result in significant savings. Ask our agents about bundle options when getting your quotes.

What factors affect my insurance rates?

Insurance rates are determined by many factors including your location, coverage amounts, deductible choices, claims history, credit history (where permitted), and specific characteristics related to what you are insuring. Our agents can explain how different factors may impact your rates.

How do I file a claim if I purchase a policy?

If you purchase a policy through one of our partner carriers, you would file claims directly with that insurance company. Each carrier has its own claims process, typically available by phone, online, or through a mobile app. Policy documents will include specific claims contact information.

Can I make changes to my policy after I purchase it?

Yes, you can typically make changes to your insurance policy after purchase. Changes like adding vehicles, updating coverage limits, or changing addresses can usually be made by contacting your insurance carrier directly. Major changes may affect your premium.

What are your customer service hours?

Our customer service team is available Mon–Fri, 8am–8pm EST to assist you with getting quotes and answering questions. You can call us anytime at +1 888 712 0692. We are here to help whenever you need us.

Still have questions? We are here to help.

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