Top 5 Advice Insurance Agency FAQs
Top 5 Advice Insurance Agency FAQs: Wondering what it’s like to work with Advice Insurance? These are the questions we hear most often from new and longtime clients. If you’re thinking of switching agents or buying a policy for the first time, this guide will walk you through what to expect when you choose us.
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Top 5 Advice Insurance Agency FAQs You Should Know
1. Who is Advice Insurance?
Advice Insurance is your go-to independent insurance agency. We work with a variety of trusted carriers — especially Mercury — to find the right coverage for your needs, whether it’s auto, home, renters, or business. Once you purchase a policy through us, we act as your agent, handling everything from setting up your policy to assisting with changes, payments, and cancellation notices. You won’t have to deal directly with the carrier — we do that for you.
2. What happens after I purchase a policy?
Once your policy is set up, you'll immediately receive proof of insurance from our office. We then submit your application to the insurance carrier, who will mail your official policy documents and insurance ID cards within 7–10 business days.
You’ll also receive the carrier’s contact information, including:
- Website and online login portal
- Payment instructions
- Claims hotline
We recommend bookmarking the carrier’s website for future payments, ID card downloads, or filing a claim — but we’re always here as your first call.
3. What is “full coverage” auto insurance?
"Full coverage" doesn’t have a legal definition, but it usually refers to a policy that includes:
- Liability coverage (required by California law)
- Comprehensive and collision (to protect your own vehicle)
It may also include useful add-ons like rental reimbursement, uninsured motorist coverage, roadside assistance, or medical payments. We’ll help you understand exactly what’s included in your quote.
4. What’s required to legally drive in California?
To legally drive in California, you must carry liability insurance with minimum limits of:
- $30,000 for bodily injury per person and $60,000 bodily injury per accident
- $15,000 for property damage
If your car is financed or leased, the lender will require comprehensive and collision coverage too. Optional coverages like roadside assistance or rental reimbursement are not legally required but are often recommended.
5. What are optional auto insurance coverages?
Optional coverages add extra protection and convenience. These include:
Want quick answers? These Top 5 Advice Insurance Agency FAQs are a great place to start.
- Medical Payments
- Uninsured/Underinsured Motorist
- Rental Car Reimbursement
- Roadside Assistance
Some quotes include these automatically, others don’t. We’ll help you decide what makes sense for your needs and budget.
How do I make changes to my policy?
Need to add a driver, replace a vehicle, or update your address? You can take care of most changes online in minutes. Just visit our Customer Service page and choose the change you need. One of our licensed agents will follow up and email your updated documents — usually the same day.
Will my rate go up if I file a claim?
It depends on the type of claim:
- At-fault accidents over $1,000 often raise your rate at renewal
- Not-at-fault accidents and most comprehensive claims (like theft or windshield damage) usually don’t
If you're unsure, call us before filing — we’ll explain the likely impact and help you make the best decision.
Still have questions?
These Top 5 Advice Insurance Agency FAQs cover the most common things clients ask us — but if you need help with something else, we’ve got your back. We're here to make insurance simple, personal, and stress-free.
Contact us now or chat with our AI assistant anytime — especially if you still have questions about insurance terminology, liability limits, or coverage of any kind. We’re local, responsive, and ready to help. Our AI assistant can help you understand insurance terms, limits, and coverage in seconds. Just ask!
To understand more about California's insurance requirements, visit the California DMV’s official insurance page.
For a breakdown of liability limits and coverage types, check out this guide from the National Association of Insurance Commissioners.