• A DUI or DWI or any serious moving violation


• An instance of being caught driving without insurance and/or without a license


• An at-fault accident while driving without insurance


• Repeat traffic offenses or too many tickets in a short time period


• A revoked or suspended license

Your independent agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)


• What is the insurance company’s level of service and ability to pay claims?


• What discounts are available? (Ask about good driver, multiple policy and student discounts.)


• What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)