General FAQs About Insurance At Armor Group Insurance! | Clifton Park, NY

We know changing insurance policies and purchasing a new one can be a bit scary. But with Armor Group Insurance by your side, there’s nothing to worry about or stress! Our helpful and friendly agents will gladly walk you through the entire process and answer any questions you may have. Below, you’ll find a few FAQs to help put you at ease before contacting our team. If you are in need of further information or have more specific questions, please contact our team today. We are here for all of your insurance needs and we look forward to helping you find a brand new policy that fits your lifestyle and budget! 

When applying for an insurance policy, what information does my insurer need from me? And what kind of questions should I be prepared to answer? 

When applying for an insurance policy at Armor Group Insurance, our agents will ask you a variety of questions to understand you and your needs further. For example, we will ask you your name, age, gender, address, etc. In addition, we will ask a number of other questions that will be used to determine how likely you are to make a claim with our agency. We like to get to know our customers so we can serve them better, offer better policies, and lower costs. 

We offer a variety of different programs to help serve a wider range of customers. For example, adult clients with good driving records will benefit and generally pay less in auto insurance than some of our younger drivers. In order to determine these policy prices, we need a bit of basic information regarding your past. But don’t worry – they’re easy to answer! 

These questions are to help our agents determine a fair price for your policy. If you have questions about this process, we encourage you to reach out to our team or ask when you stop in to see us! 

What are some advantages to using an agent to purchase insurance?

When using an agent at Armor Group Insurance to purchase an insurance policy you can expect to receive a more personal experience and policy customized to you and your needs. You will be in direct contact with our agents who can assist you through the entire process while delivering quality insurance services matched with competitive prices! 

What is a personal umbrella liability policy?

A personal umbrella liability policy was designed to increase one’s liability protection. This policy acts as an ‘umbrella’ over all of your personal liability policies, for example, home, auto, boat, etc. – this is to increase your personal liability than what would typically be available to you. 

In some situations, these policies could provide personal liability coverage that is potentially excluded from your other policies. For example, this policy provides coverage to you anywhere in the world versus select policies only covering you in the U.S. and Canada only. 

How do I know if I need a personal umbrella liability policy?

In the past, many people who chose to have a personal umbrella liability policy were typically wealthy individuals who had sizable amounts of personal assets who could potentially face a lawsuit. However, in our current litigious society, individuals with modest incomes and assets can be subject to large, damaging lawsuits. Sometimes coverage limits are greater than what can be obtained and it’s important to be covered.