GHS Property

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How can GHS offer me such great rates? At GHS we only insure good drivers. This means GHS customers don't pay for the negligence or accidents of careless drivers. Usually we can increase the level of coverage for our customers and still save them around $300 on their auto insurance. At GHS our ideal risk is the following: - No at-fault accidents in the past three years - No more than one minor violation in the past three years - No more than a maximum combination of two incidents (any of the above) per household in the past three years Even if you don't fit all of the above, you may still qualify. Call 1-888-I-GET-GHS for more specific information. How can I get a quote? It's as simple as calling 1-888-I-GET-GHS or completing the on-line form. How do I apply for GHS? Call 1-888-I-GET-GHS to get your free, 15-minute rate quote over the phone. Or complete the on-line form and receive an on-line quote within two to three business days. If you qualify for GHS auto insurance, we then will send you an application. Return it with your down payment and you'll receive your policy documents in the mail. At GHS we offer a variety of payment options including full, quarterly and monthly payment plans, as well as automatic bank withdrawal. Plus, depending on your employer, you could make your monthly payments through GHS At Work, GHS' award-winning payroll deduction program. For more information on GHS At Work, click here. What discounts does GHS offer? At GHS we offer substantial savings for air bags, passive restraints, anti-lock brakes, anti-theft devices, multiple cars, multiple policies, good grades and more, depending on your state of residence. What affects my rates? - Age - Where your vehicle is garaged - How your vehicle is used -Whether or not your vehicle is leased How can I reduce my rates? At GHS, we offer a variety of discounts: - Good grades (depending on state of residence) - Defensive driving course - A good driving record will also help you get a lower rate. And consider the type of vehicle you drive. Typically family sedans and more conventional cars are less expensive to insure than sports cars. I'm a good driver, but if I have an accident or get a ticket in the future, will I be canceled? We offer renewal to 98% of our customers. Accidents and tickets will affect your rate, but not until your next renewal date. How long do accidents and tickets affect my rate? All traffic convictions and accidents remain on your driving record for three years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your policy. What is insurance? Insurance is a way of spreading financial risk among large numbers of people. You pay a premium to an insurance company for the right to share in funds set aside to pay your costs in certain pre-defined circumstances. Why do I need insurance? Auto insurance is designed to protect you financially. You can be held responsible for damages that you or anyone for whom you are responsible cause as a result of an auto accident. In addition, most states make automobile insurance a legal requirement.

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