New Clients FAQ


We are here for you. For your added convenience, this website is designed for you to be able to operate in real time.

When should I carry full coverage?

If you have a loan on the vehicle, the lending bank will require you carry full coverage on the vehicle.

Otherwise, the choice is up to you. If you believe it would be difficult to afford another vehicle in the event of an accident, it is a good idea to spend the little bit extra to get full coverage. This way, in the event of an accident, you will at least have some money to go towards a new vehicle.

What limits should I choose for Auto?Adequate coverage is important. The difference for higher coverage versus state minimum limits is minimal in cost. Higher limits reduces your risk if you are at-fault for the accident of paying for bodily injury and property damage out of your pocket.

What deductible should I choose?
The deductibles affect your premium. The higher the deductible, the lower the cost of the premium.

After I get a quote, how do I proceed forward?
When you receive a quote, click the upper right hand corner to indicate you would like to speak with an agent. Shortly after requesting to speak to an agent, someone will be contacting you to help you secure insurance in a timely fashion.

What are the benefits of speaking with an agent?
While the website is here for convenience. The quoting system does not account for all of our carriers. We have other carriers that are not part of the online quoting system and we may be able to get you an even better rate. We do encourage you to start a quote because this helps facilitate discussion.

Are you getting a quote from all the companies you represent? No.

When I request a quote, who will have access to my information?
When you request a quote, the only company receiving the information is Blue Sky. Your information given during the online quoting process is not given to any insurance companies. Rather, the system provides an estimated online quote.

Do I need to provide a social security number to get a quote? No.