Your frequently asked questions answered

How long does a ticket stay on my record?

All minor traffic convictions and accidents remain on your driving record for 3 years. In some states, alcohol-related major violations remain on your driving record for up to 10 years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your policy. There is no change to the policy during your policy period to add or delete points.

What should I do if I'm in an auto accident?

First, make sure that you are okay and that your passengers and others are uninjured. If there are injuries call 911 immediately. Second, in most states it’s standard procedure to notify the police after an accident has occurred. Third, you should make sure to exchange information with the other driver(s) and witnesses. Provide your name, address, and telephone number. Go ahead and let them know the name and phone number of your insurance company and get the same information from them. Finally, contact your insurance company at your first opportunity. Contact information may be found on your insurance identification card. If you have any questions or need help, please feel free to contact us.

How does AIS have great rates for all types of drivers?

When you contact us for a quote, we shop dozens of insurance companies to find the coverage that best fits your needs at the best possible price. Some of our insurance companies specialize in good drivers, while others write mostly high-risk drivers. No matter what kind of driver you are, AIS can find the best possible auto insurance company for you at a very competitive price.

How much Liability Insurance coverage do I actually need?

Most state laws require that you carry a minimum amount of Liability Insurance to pay for the injuries or damages that you may cause to someone else. Some people only need the minimum level of protection while others have assets they need to protect. If you are unsure about how much Liability Insurance you need, contact an AIS Insurance Specialist who can help you select the right amount of protection for you and your family.

What is Uninsured Motorist coverage?

Liability Insurance coverage is advisable and often required, but there are still those who do not buy insurance. Unfortunately, if an uninsured motorist causes an accident, you may not be able to recover any damages you suffer unless you purchase Uninsured Motorist coverage. This protection pays for the property damage and bodily injury caused by an uninsured motorist. It will cover you, any family member and anyone occupying a covered automobile.

The limits for this coverage are usually the same limits that you selected for Liability, although you can choose lower limits. There are also times when a person who causes an accident has Liability Insurance but your damages exceed the limits of that person's coverage. In some states Underinsured Motorist coverage is included in your Uninsured Motorist coverage. In other states, you must separately purchase Underinsured Motorist Insurance, which covers your excess losses up to the limit set forth in the policy.

How long after I sign up will I receive my insurance policy and first bill?

Typically, you will receive your policy within 4 to 6 weeks. The due date of your first installment will vary depending on the payment plan you choose. For Bristol, your first payment may be due within 14 days. The first installment for the Mercury "3 pay" plan is due within 43 days. For most monthly payment plans, the due date is 30 days after inception. When you start receiving material from us in the mail, make sure to review all mailings carefully. Your first installment bill may be included with your copy of your policy or it may be mailed separately.

I have a question about a payment or bill. Who do I contact?

Many of our partners give you the ability to make quick and easy premium payments online. AIS does not accept payments, they must be made directly to your insurance company.
If you have any questions, please email us or call (888) 772-4247 to speak with a customer service representative, Monday through Friday between 6:00 AM - 6:00 PM PST.

How do I contact your customer service department?

You can visit our Customer Service Department online or by calling (888) 772-42477 and following the prompts of our automated customer service menu. Our specialists are licensed professionals who can tackle a variety of issues. To make the process as quick and easy as possible, have your policy number on hand when you call. Please note that we experience heavy call volume on Mondays, Tuesdays and on any day following a holiday. If your request is not time-sensitive, you may wish to call us Wednesday through Friday for faster service.

Does AIS offer Mexico Vehicle Insurance?

Yes, we do offer Mexico Vehicle Insurance. Be aware that Mexico Insurance is a necessary coverage for driving in Mexico. The Mexican government does not recognize U.S. insurance policies.

What if I’m involved in an accident that isn’t my fault? Should I still report the claim to my insurance company?

Absolutely. Reporting the accident will assure that your claim is handled quickly and will help to avoid potential future problems should you be held liable for the claim. Please visit Carrier Claim Contacts to find out how to contact your carrier.

Do I have a grace period on my renewal?

No, renewals are due on the date specified. However, some companies offer a period of time when the policy can be renewed with a lapse in coverage without having to rewrite the policy.

I bought a new vehicle and the dealer advised me that I had 30 days to add it to my auto insurance policy. Is this true?

No. However, you should make sure to request the addition of your new vehicle as soon as possible to avoid a delay to your claim settlement in case of an early loss. Each policy has different requirements for adding a vehicle depending on what coverages you request.

My neighbor is paying a lower insurance premium than I am. Why?

Not everyone has the same insurance policy. You may have higher limits or more coverage than your neighbor does. Also, several factors including driving record and experience, usage and discounts can all affect the cost of your Auto Insurance premium.

My sister is planning a visit from out of town. Will she be covered by my insurance policy if she drives my car?

Some companies do extend coverage to permissive drivers. However, certain restrictions may apply. If permissive use is allowed by your insurance company, there will be limited coverage to your sister or any individual who is not listed as an excluded driver on the policy and has the express or implied permission of the named insured. The individual can use the vehicle that is covered by the policy without being charged a premium.

How soon will my requested changes be made?

You get to choose your own effective date. We will send you a confirmation when changes have been made to your policy.

How does AIS keep my information secure?

We do not sell any of your information or share it with third parties, except as needed to service your account. You can rest assured that AIS uses every precaution to keep your personal information 100% secure.

How long does it take to hear from AIS after I submit an online service request?

Typically, you’ll hear from us the next business day (Monday-Friday) after we have received your online service request.

If I want to add a driver, what information do I need?

You will need the driver’s license number, date of birth and employment/school information.

What information do I need to add a vehicle to my policy?

You will need the year, make, model and vehicle identification number (VIN). You will also need the purchase price and current odometer reading of the vehicle.

Do my coverage limits need to be the same on each vehicle?

Your Liability Insurance limits must be the same for all vehicles on the policy. Physical damage coverage can vary from vehicle to vehicle.

How can I lower my deductibles?

You can submit your request to lower your deductibles under "Change vehicle coverage". Please note some insurance companies may require photos of your vehicle to complete this request. AIS will contact you with details if required.

Does my finance/leasing company get notified that my vehicle is insured?

Yes, your finance/leasing company is automatically notified of coverage. You can view the information on file under "View Policy". If the information on file needs to be updated, please go to "Update Policy" and select "Update Vehicle Information." Be sure to provide the correct insurance verification address for your finance company, not the billing address of the finance company.

Is there a discount for full-time students?

If you are an unmarried full-time student with a 3.0 (B average) or better, you may eligible for a Good Student Discount. Please feel free to contact us to find out about that and other discounts we offer.

Do I need to obtain insurance for a personal watercraft (Sea-Doo or a Jet Ski)?

Insurance requirements vary by state law, but it's always smart to obtain the proper Liability Insurance coverage. You may also want to consider adding physical damage coverages to your personal watercraft.

My homeowners association has a master policy. Do I still need Condominium Insurance?

The master association policy often does not include coverage for your personal property in the home, your personal liability, or interior structural items such as carpeting, cabinets, etc. If you would like additional coverage, speak with an Insurance Specialist.

Can I add my property manager/landlord to a Renters Insurance policy as an Additional Insured?

Some of our insurance partners allow this option.

Does a Homeowners Insurance policy cover my jewelry?

Jewelry is usually covered on a Homeowners policy, but is subject to the insurance company's underlying limit, a sublimit that is typically lower than the limit of coverage for all your property. If additional coverage is needed beyond this amount, most carriers allow you to schedule the item for an additional premium based on the appraisal value.

What is Mechanical Breakdown Insurance?

Mechanical Beakdown coverage can protect virtually all mechanical and electrical components in your vehicle, depending on the limits you choose. Coverage is available for both new and pre-owned vehicles. If you sell your vehicle, the coverage is transferable and adds resale value.

Will AIS call me before my change is made?

Depending on the change request, we may or may not reach out to you directly. Your insurance company will always send you written confirmation once a change is made.

How do I email documents to AIS?

You can email documents to us at service@aisinsurance.com.

Do I have to pay now for changes made?

Once you receive a confirmation from us, your insurance company will bill or refund you directly if your changes result in a different premium.

Can I make additional changes once I have submitted an online change?

To make things as straightforward as possible for you, once you submit your request you can go back to “View My Policies” to complete another request. You can also view all your recently submitted requests.