Hortica

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents are limited to a single company's rates
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

To save money on car insurance, talk to your agent about increasing the deductibles on physical damage coverage to save money Car insurance costs less if you plan to pay a higher deductible at claim time. Call Hortica at (804) 327-9164 or talk to them in Richmond for insurance options.

Frequently Asked Questions

• How can I find an agent in Richmond?
• Should I raise my deductibles?
• How can I file an insurance company complaint?
• Should I carry full coverage?
• What is an SR-22 requirement?