Frequently Asked Questions

We offer a comprehensive range of insurance products including Auto Insurance, Health Insurance, Home Insurance, Life Insurance, Final Expense Coverage, and Travel Insurance. Each product is customizable to meet your specific needs and budget.

Getting started is easy! Simply click the "Get a Free Quote" button on our website, fill out a brief form with your information, and one of our experienced agents will contact you to discuss your insurance needs and provide personalized recommendations.

Yes, TeresaInsures is fully licensed and regulated in all states where we operate. We work with A-rated insurance carriers and comply with all state and federal insurance regulations to ensure your protection and peace of mind.

Absolutely! We encourage you to speak with one of our licensed agents before making any decisions. Call us at +1 (620) 620-5142 or request a callback through our website, and we'll be happy to answer all your questions.

Many of our insurance policies can be activated immediately after approval. The timeline varies depending on the type of insurance, but we strive to provide instant coverage whenever possible to ensure you're protected right away.

Yes! Bundling multiple insurance policies is one of the best ways to save money. We offer significant discounts when you combine auto, home, and other insurance products. Our agents can help you find the best bundle for maximum savings.

Premium rates depend on various factors including your age, location, coverage amount, deductible, driving record (for auto), health status (for health/life), and property value (for home). We work with multiple carriers to find you the most competitive rates.

Waiting periods vary by insurance type and policy. Some policies like auto insurance typically have no waiting period, while health and life insurance may have specific waiting periods for certain conditions. We'll clearly explain any waiting periods before you purchase.

Yes, you can modify your coverage at any time. Whether you need to increase your coverage limits, add additional protections, or adjust your deductibles, our agents are here to help you make changes that fit your evolving needs.

We accept various payment methods including credit cards, debit cards, electronic bank transfers (ACH), and checks. You can also set up automatic payments for added convenience to ensure your coverage never lapses.

Yes! We offer flexible payment schedules including monthly, quarterly, semi-annual, and annual payment options. Choose the schedule that best fits your budget and cash flow preferences.

If you miss a payment, we'll send you a reminder notice with a grace period to make the payment before any coverage changes occur. We recommend setting up automatic payments to avoid missed payments and potential coverage lapses.

Yes! We offer various discounts including multi-policy bundles, good driver discounts, safety feature discounts, loyalty discounts, and more. Ask your agent about all available discounts to maximize your savings.

Filing a claim is easy. You can contact us 24/7 through our customer service hotline at +1 (620) 620-5142, use our online portal, or mobile app. Our dedicated claims team will guide you through the process and work quickly to resolve your claim.

The claims processing time varies depending on the complexity of the claim and the type of insurance. Simple claims can often be resolved within a few days, while more complex claims may take longer. We keep you informed throughout the entire process.

You'll need your policy number, date and details of the incident, any relevant documentation (photos, police reports, medical records), and contact information for all parties involved. Our claims team will guide you through exactly what's needed for your specific situation.

The impact on your rates depends on the type of claim, your claims history, and your policy terms. Not all claims result in rate increases. We'll always be transparent about potential impacts and work to find the best solution for your situation.