Auto and property insurance FAQs

1. Log in to your account.
2. Click ID Cards & Documents.
3. Click View/Print ID Card under Auto Policy Details.

*ID cards are available for the past 15 months. Due to state requirements, we aren’t able to provide ID cards for members in some states, such as Delaware and New York.

Please contact your agent, call 1-888-891-0271, access it from our mobile app or log in to Online Account Access. Proof of insurance may not be available online in every state.

1. Log in to your account.
2. Click ID Cards & Documents.
3. Click the document you want to view.

*Policy declarations are available for the past 15 months.

1. Log in to your account.
2. Click Make a Payment (if available).

*Billing statements for billing accounts and policies on a billing account can be viewed for the past 90 days. Billing statements for policies not on a billing account can be viewed for the past 13 months.

American Express, Discover, Master Card and Visa.

Yes, you can make a one-time payment or sign up for Automatic Payments using your savings or checking account.

1. Log in to your account.
2. Click Make a Payment.
3. Select either checking or saving account as your payment method, then follow payment instructions. 

1. Log in to your account.
2. Go to the Bills & Payments.
3. View Billing History.

It only takes a few minutes to add someone listed as a named insured on one of your insurance policies, such as an auto, home, renters, condo, motorcycle or RV policy.

1. Log in to your account.
2. Click on Profile.
3. Select Manage Authorized Users.
4. Choose the people you want to add to your account.
5. Set their level of access for your accounts.
6. Ask them to check their email and follow the link to finalize this process.

• Contact your agent to request a policy cancellation.
• Use this tool to find your agent.
• If you do not have an agent, call 877-669-6877.

Mail or fax a policy cancellation letter to your current insurance company, using the following or similar language. Be sure to list every policy type and policy number you want to cancel, such as your auto, homeowners, motorcycle, boat and/or RV insurance. Also be sure your insurance does not lapse during the switch.

Date: <today's date>

To whom it may concern,

I am requesting that you cancel my <policy type> insurance policy (<policy number>) with your company, effective <effective date>. Please stop any automatic payments and promptly refund the unused portion of my premium directly to me at:

<your first and last name>

<street address>

<city, state ZIP Code>

Additionally, do not contact me by phone, email or mail about continuing this insurance policy or purchasing a new policy.

Sincerely,

<Your signature>

Some of the factors that influence your premium include:

• Age or driving experience
• How your vehicle is used
• Driving history
• Claims history
• Make and model of your vehicle
• Geographic location
• Credit history

Learn more about factors that influence the price of car insurance.

Some of the factors that influence your premium include:

• Location of risk
• Construction
• Age of insured
• Age of home
• Credit history

Learn more about factors that influence the price of homeowners insurance.

As with most insurers, we use a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. By predicting potential losses better, we can provide a more appropriate rate.

Our experience has been that about half of our existing members receive a rate decrease based on their credit score.

Learn more about credit scores.

We use many factors to determine your score. Some of the more common factors are:

• Payment history, including delinquencies or late payments
• Length of credit history
• Types of credit, such as credit cards and loans

When determining your score, gender, marital status, age, ethnicity, address and income are not considered.

We have an extraordinary life circumstance process that applies to all states. You may qualify for reconsideration of your premium if your credit information has been directly influenced by one of the following events:

• Catastrophic event, as declared by the federal or a state government
• Divorce/dissolution of marriage
• Death of a spouse, child or parent
• Serious illness or injury, or serious illness or injury to an immediate family member
• Temporary loss of employment for a period of three months or more, if such loss is due to involuntary unemployment
• Military deployment overseas
• Identity theft
• Total or other loss that makes a home uninhabitable

For more information, talk to your agent or call 1-888-891-0271. We may ask you to provide documentation of the event and an explanation of how that event affected your credit.