1. Do I get a discount if I combine my home and auto insurance?
    Yes! Our customers can receive discounts when purchasing their home and auto insurance together,
  2. Does Capital Insurance Service represent more than one company?      We are proud to represent more than 20 of the nation’s most prestigious insurance companies. This allows us to shop the best policy and premium.
  3. What are the basic coverages I need to operate in the state of Nevada?
    Nevada State law requires a minimum liability must be no less than $25,000 per person, $50,000 per occurrence and $20,000 for property damage.
  4. What level of insurance coverage do I need?
    The insurance coverage you need will vary on your individual needs and situation. Here are a few questions for you to consider when determining how much insurance is needed.

    • How much do you think you can afford to pay in the event of a loss? We recommend you choose a deductible that you know you can pay out of pocket. You should be aware that you could be personally responsible for any damages that exceed the limits you have chosen.
    • Do you have a lien holder on your vehicle? Depending on the lien holder, you might be required to have comprehensive and collision insurance, in addition to the Nevada State Requirements.
    • You should consider the type of vehicle you are driving when choosing the limits of liability. We recommend having higher limits on vehicles such as SUV’s because the damages can be more extensive.
    • If there are any members of the household with a valid Driver License, but they are not driving your vehicles, you can add them as list only on your policy. That means, you don’t have to insure them on your policy.
  5. How can I make payments?
    At Capital Insurance Service, we provide several convenient payment methods for you to chose from, depending on your needs. You can pay for your policy through the following means:

    • Credit Card
    • Personal check or money order
    • Electronic Funds Transfer from your checking account
    • Pay your policy in full: When you receive your policy, you can pay for the six month premium or year premium. If you select this option, you receive a discount for paying in full, or we can set you up on with an easy monthly payment plan .
    • Automatic Payments: We can set up an installment plan to automatically deduct your payment each month from your bank account.
    • Online: You can make a payment on our website by selecting your insurance company’s icon, which will redirect you to a payment page.
    • Phone: You can call any of our convenient locations in Reno or Carson City and make a payment by phone.
    • Mail: You can send a check or money order with your monthly bill by mail.
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  6. Is my payment posted to my policy immediately?
    If you make a payment in person, by phone or online it will be posted immediately. If you have automatic payments set up, your payment will be accepted on the regularly scheduled date. If you mail your payment, we will post the payment on the date and time we receive the payment in our offices.
  7. How quickly do changes go into effect?
    If you make a change to your policy, the change will be effective immediately, or in some situations, you can choose the effective date.
  8. Do I need to start a new policy to add a driver or vehicle?
    You don’t have to start a new policy for any of these changes; you simply need to  update your policy to reflect your current situation. We will alert you to any changes on your policy premium.
  9. Why did my rate change after I received a quote?
    Several factors could influence why your rate changed between the time you received your quote and the time you decided to purchase your policy. If it’s been a few months since you received your quote, it’s possible we revised rates in your area, which could decrease or increase the price you pay for auto insurance. If you received a quote recently, it’s possible something on your driving record — or the driving records of others on your policy — prompted a change in the quoted price.
  10. Does anyone regulate what you charge for insurance
    Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review that information and the rates companies charge.
  11. Do all auto insurance companies offer the same coverages and discounts?
    Definitely not! While many of the basic types of coverage — Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, Uninsured Motorist, etc. — are offered by major companies, discounts and specialized coverages can vary greatly between companies. For instance, not all companies offer Loan/Lease Payoff coverage, student discounts, good driving discounts, deductible reductions, etc.
  12. Are auto insurance companies regulated?
    Yes. Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review that information and the rates companies charge.
  13. What is an SR-22?
    An SR-22 is a document required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations.Definition of an SR-22 from. SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.

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