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Frequently Asked Questions (FAQ)

Frequently Asked Questions (FAQ)

Why would I switch to Freshquote insurance? Is it worth the hassle of changing insurance carriers? +

We are NOT a carrier!  We are a group of independent agents who take the hassle out of insurance shopping—FOR FREE.  We take your information and shop it to multiple carriers to find you the best coverage and prices.  Our personal insurance advisors work hard to make carriers compete for your business, both now and every year upon renewal. No hassle. No stress. Just the best deals and peace of mind, year after year.

Think of us as your insurance partner - we take care of you now, and every year into the future.

How can I switch my insurance to one of Freshquote’s agency partners? +

Connect with us, and our experienced local agents will handle everything for you! Think of us like an insurance concierge, we'll shop for the best deals, ensure you have the right coverage, and manage policy cancellations and refunds.

What is the difference between Lemonade, Geico, Everquote,QuoteWizard, Progressive and how is Freshquote different? +

Lemonade, Geico, and Progressive are insurance carriers that assume risk and pay out claims. They often provide consumers with an initial attractive price (usually just ONE quote), set up autopay, and subsequently increase premiums over time (hoping you don’t notice).

In contrast, platforms like QuoteWizard and EverQuote function as lead generators, collecting your information and selling it to multiple insurance companies. This practice can result in your personal details being sold multiple times, leading to numerous annoying unsolicited calls.

Our approach is straightforward: we connect you with a dedicated, licensed independent agent in your state. This advisor helps you find the right coverage at the best price and manages your policies annually, delivering personalized and reliable service.

Can I trust you guys? +

YES! We're excited to introduce ourselves as a fresh face in the industry, committed to connecting you with only top-tier local independent insurance agents. These professionals have strong relationships with leading carriers and are dedicated to delivering exceptional customer service. Unlike some platforms that distribute your information to multiple parties—resulting in a barrage of unsolicited calls—we ensure your details are handled by a single, knowledgeable agent in your state. This approach guarantees you receive the best coverage at competitive prices, all while enjoying a personalized and hassle-free experience.

How does the annual requoting or Freshquote Refresh work? +

When you start your relationship with Freshquote we always shop multiple carriers to find the best value tailored to your needs, presenting you with several options and our expert recommendation. Approximately 45 days before your policy expires, we'll reach out to initiate your Freshquote Refresh. This involves gathering your renewal rates and, if necessary, reshopping your policies to ensure you continue receiving optimal coverage at competitive prices. With us handling the details, you can relax knowing someone has your back.

How do I file a claim? +

Connect with your Freshquote agent to get started or connect directly with the Carrier, all contact details will be on your policy. 

What bundle options can I get through a Freshquote agent? +

At Freshquote, we believe it's most beneficial to manage all your insurance needs together. Focusing on a single policy, like just your home insurance, may leave other areas, such as auto coverage, susceptible to unnoticed rate increases. Our expert advisors can handle all your insurance needs, offering bundled options from a single carrier or creating custom packages with different carriers for home, auto, umbrella, and more. Best of all, we take care of everything for you—securing the best deals each year, monitoring your coverage, and keeping track of policy expirations—so you can relax knowing you're in good hands.

What if I want to cancel my policy or make changes to it? +

Making Changes to Your Policy

If you need to update your policy, such as adding a new car, just email your Freshquote advisor with the details. They'll handle the rest to ensure you're properly covered.

Canceling Your Policy

Should you decide to cancel your policy and manage your insurance personally, we understand. Simply contact your Freshquote advisor, and they'll assist you with the cancellation process.

We're here to support you, whatever your insurance needs may be.