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We Cover It All - So You Can Worry Less

We Cover It All So You Can Worry Less

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Commonly Asked Questions

1 How much could I save by bundling my auto and home insurance?

Bundling your policies is one of the easiest ways to unlock significant savings. By combining your auto and home insurance with Andrea Morris — an experienced local Allstate agent — many customers qualify for multi-policy discounts and simplified billing.

2 What insurance coverages are required in Virginia?

Virginia requires minimum liability coverage for auto insurance, but many drivers choose to increase their limits or add optional protections like uninsured motorist coverage for better peace of mind. Homeowners aren’t legally required to have insurance, but most lenders do require it — and it’s the best way to protect your property and belongings.

3 How do deductibles and optional coverages affect my premium?

Your deductible amount and coverage choices directly impact your monthly premium. A higher deductible often lowers your premium but increases your out-of-pocket cost if you file a claim. Optional coverages like gap coverage, roadside assistance, or new-car replacement add extra protection for a small increase in cost.

4 Can Andrea review my current insurance policy for better options?

Absolutely. Even if you’re insured elsewhere, Andrea can provide a free, no-obligation policy review to identify coverage gaps, potential savings, or better protection options. Many customers find ways to lower costs or gain extra benefits by switching.

5 What is the claims process like with Allstate?

Filing a claim with Allstate is fast, simple, and backed by a 24/7 claims team. Andrea and her local team will help guide you through each step, from filing to resolution, ensuring you get the support you need quickly. Most claims can be tracked in real time online or through the mobile app.

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