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Frequently Asked Insurance Questions

Here are the most common insurance questions Optima Insurance Agency receives.

Our insurance agents are always available to answer any questions and address any concerns you may have. Call us at (708) 669-7222 for any further inquiries.

My current insurance company has significantly increased my rate. How can I get a lower rate?

If your current insurance company has increased your rate, you can be sure to find lower rates with Optima Insurance Agency. Our insurance agents are here to find you the most competitive prices on the market today, and we’ll fit you with an insurance package that suits both your needs and your budget.

Is there a fee for getting an insurance quote?

With us, there isn’t.

Book a no-obligation consultation with our team, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. We work with you to find the right insurance quote, no strings attached.

When should I review my insurance protection?

At Optima Insurance Agency, we believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with us as soon as possible.

Get in touch with us now at (708) 669-7222 to schedule an appointment.

What is a deductible?

When submitting an insurance claim, a deductible is an amount you’re responsible for before the insurance company covers the rest.

As your dedicated insurance agents, we do our best to introduce you to carriers with the lowest deductibles so that you barely ever have to pay out of pocket. This way, not only will you shop the most competitive rates, but you’ll also discover trustworthy lenders that prioritize their clients.

How do limits and deductibles impact my premium?

Your premium is how much you pay your insurance company regularly to keep your coverage in place. Depending on the insurance type and specific policies, you can pay your premium monthly, quarterly, biannually, or annually. Whether it’s home, car, or life insurance, limits and deductibles are common factors that affect your premium rates.

An insurance limit is the maximum amount covered when making a claim—usually, the higher your coverage limit, the higher your premium. Our insurance agents can guide you in the right direction when it comes to pinpointing the perfect coverage limit for your needs. And they’ll stay on budget, too!

An insurance deductible is the amount of money you have to pay out of pocket for a covered claim. Generally, you may be able to save money on premiums by selecting policies with higher deductibles. Consult with our insurance professionals to see what’s in your best interest.

Contact us now to get a free estimate
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