Frequently Asked Questions

Your auto insurance premiums are calculated based on several key risk factors:

• Driving Record: Accidents, tickets, or claims history.
• Vehicle Details: Safety ratings, repair costs, vehicle year, make, and model.
• Location: Local traffic density and claim statistics in your zip code.
• Annual Mileage: How many miles you drive each year.
• Coverage Choices: Selected liability limits, collision/comprehensive deductibles, and optional add-ons.

Yes, absolutely! We partner with multiple leading insurance carriers that specialize in high-risk coverage and SR-22 filings. Whether you have past tickets, accidents, or a temporary lapse in coverage, our licensed specialists will shop across multiple carriers to secure the most affordable rate available for your situation.

Basic auto insurance typically fulfills state-mandated minimums by providing Liability Coverage, which includes:

• Bodily Injury Liability: Pays for medical expenses, lost wages, and legal fees of other drivers or passengers if you cause an accident.
• Property Damage Liability: Covers repairs to other vehicles or damaged property.

To cover damage to your own vehicle, you can easily upgrade to Full Coverage (Collision and Comprehensive).

Switching your auto insurance provider is seamless and hassle-free:

1. Get a Quote & Select Coverage: Choose your new policy with True Path Insurance.
2. Set Effective Date: Align your new policy's start date with your desired switch date to prevent any gap in coverage.
3. Cancel Old Policy: Contact your current insurer to cancel starting on your new effective date (you may receive a pro-rated refund for unused prepaid premiums).
4. Download Proof: Print or save your new digital ID cards immediately.

Medicare is structured into four main parts:

• Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice, and limited home health care.
• Part B (Medical Insurance): Covers doctor services, outpatient care, medical supplies, lab tests, and preventive care.
• Part C (Medicare Advantage): Private all-in-one alternative plans that combine Part A and Part B, usually bundling Part D drug coverage and extra benefits like dental, vision, hearing, and fitness allowances.
• Part D (Prescription Drug Coverage): Standalone or integrated plans that help pay for brand-name and generic prescription medications.

You can enroll in Medicare during three primary enrollment periods:

• Initial Enrollment Period (IEP): A 7-month window starting 3 months before your 65th birthday month, your birthday month, and ending 3 months after.
• Annual Enrollment Period (AEP): Every year from October 15 to December 7, where you can join, switch, or drop Medicare Advantage and Part D plans.
• Special Enrollment Period (SEP): Triggered by specific qualifying life events such as moving, losing employer coverage, or qualifying for Extra Help.

Costs depend on the specific Medicare Part:

• Part A: Premium-free for most beneficiaries if they or their spouse paid Medicare payroll taxes for 10+ years (40 quarters).
• Part B: Requires a standard monthly premium set by the federal government.
• Part C & Part D: Premiums vary by carrier, with many Medicare Advantage plans offering $0 monthly premiums in numerous zip codes.

Medicare Advantage (Part C) is an all-in-one private health insurance alternative approved by Medicare. It grants all benefits of Original Medicare (Part A & B) plus additional valuable coverage like prescription drugs, comprehensive dental exams, vision eyewear, hearing aids, transportation allowances, and SilverSneakers fitness memberships — often with out-of-pocket maximum caps for annual financial protection.

Final Expense Insurance is ideal for seniors aged 45 to 85, individuals without existing life insurance, or anyone who wants to spare their children and family members from unexpected financial burdens during an emotional time. Because premiums never increase and policies never expire as long as premiums are paid, it offers lifelong financial protection.

Policy benefit amounts typically range from $2,000 to $50,000. Because the coverage amount is smaller than traditional life insurance, monthly premiums remain highly affordable. You can choose the exact benefit amount needed to cover your planned funeral arrangement costs, estate administration expenses, or minor debts.

No medical exam or physical health check is required. You will not be asked to undergo blood tests or urine samples. Application approval is based on a few simple health questions, and Guaranteed Issue policies are available where acceptance is 100% guaranteed regardless of pre-existing health conditions.

Final Expense death benefits are paid out rapidly — typically within 24 to 48 hours once the insurer receives the claim form and death certificate. The tax-free cash lump sum goes directly to your named beneficiaries, allowing them to pay funeral directors and medical providers without delay.