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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. Do I have a grace period for my payment?
  2. How can I lower my premium?
  3. Can I change coverage at any time after starting a policy?
  4. What does "full coverage" mean?
  5. Why carry higher auto liability limits?
  6. How can I make sure my jewelry, camera equipment, grandma’s china or other valuable items are properly insured?
Do I have a grace period for my payment?

If this is for your renewal payment, please pay the day before your renewal date.

For regular payments, different companies offer different grace periods. Contact our office to find out the grace period on your policy.



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How can I lower my premium?
If you want to lower your monthly premium payment, one option could be to carry a higher deductible. Contact our office at 559-591-7556 to see if that is a good option for you and to see if you qualify for any additional discounts.

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Can I change coverage at any time after starting a policy?

Yes, you may make changes any time after starting a policy. Request policy changes on our website 24 hours a day, 7 days a week.



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What does "full coverage" mean?
"Full coverage" typically includes comprehensive and collision coverage for your car. Rental reimbursement and towing are extra coverages most of the time and are charged separately. Contact our office so we can explain the different coverage parts of your policy and suggest any changes if necessary.

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Why carry higher auto liability limits?

We highly recommend that you have higher limits of liability coverage, especially if you carry minimum limits because if you cause an accident and your limits are not enough to cover the injury or damages, you can have your assets seized and/or wages garnished. Contact us to ensure you have enough coverage to protect you and your loved ones.



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How can I make sure my jewelry, camera equipment, grandma’s china or other valuable items are properly insured?
You can contact your agent to request these items to be scheduled on your homeowners policy. There is an additional premium for this coverage and you may be required to provide a receipt of purchase or an appraisal. Contact our office at 559-591-7556 so we can review your policy and make suggestions to properly insure your valuables.

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STEVEN R. NELSON INSURANCE AGENCY
326 E Tulare Street | Dinuba, CA 93618 | 559.591.7556
A Mitchell and Mitchell Company, License #0620650
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