FAQs

Mon - Fri 9:00 am - 5:00 pm

Have an insurance-related question? We have the answer. Check out these FAQs and give us a call today for more information!

  • Can I get a quote immediately?

    Yes, our insurance providers in Dallas, TX are happy to provide same-day quotes. According to AgentMethods, there were 927,600 licensed insurance agencies and brokers in the U.S. as of 2024, but not all of them offer quotes as quickly as we do. Contact Michael Sifford Agency today to get started.

  • Are you able to give auto and homeowners quotes?

    Yes, our insurance providers in Dallas, TX can provide quotes for auto and homeowners insurance.

  • Can you provide same-day coverage?

    Yes, our insurance providers in Dallas, TX can provide same-day coverage.

  • Do you offer coverage for rideshare drivers (Uber, Lyft, etc.)?

    Yes. Standard auto policies usually don’t cover ridesharing, but we can add special endorsements or policies that protect you while driving for services like Uber or Lyft.

  • Can my teenager be added to my auto policy, and how does that affect rates?

    Absolutely. Teen drivers can be added, but rates may increase due to their limited driving experience. We’ll help you explore discounts, such as good student savings, to offset costs.

  • What is the difference between replacement cost and actual cash value coverage?

    Replacement cost covers the full expense of replacing your property with new items, while actual cash value subtracts depreciation. We’ll review both options with you to make sure your coverage fits your needs.

  • What’s the difference between commercial auto insurance and personal auto insurance?

    Commercial auto covers vehicles used for business purposes, like company cars, delivery vans, or trucks. It provides broader liability protection than personal auto insurance.

  • What is uninsured/underinsured motorist coverage, and why might I need it?

    This coverage protects you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. It’s highly recommended for peace of mind.

  • Are my personal belongings inside my vehicle covered under auto insurance?

    No, personal items like laptops or clothing are usually covered under your home or renter’s policy, not your auto insurance. We’ll make sure you’re protected under both policies.

  • Can you help me review my current policies from another provider to see if I’m overpaying?

    Of course. We offer free policy reviews and comparisons across multiple carriers to make sure you’re getting the best coverage for your budget.