EagleWay Auto Insurance FAQ

The lowest cost coverage depends on your deductible, the specific plan, and the level of financial protection you choose. At EagleWay Auto Insurance, we also offer cryptocurrency payments with an additional discount, helping you save even more while keeping your vehicle protected.

Coverage requirements vary by state. At EagleWay, we ensure you get the level of coverage required by law. You can check your state’s requirements directly via the link on our homepage. Optional coverages, like comprehensive and collision, are also available for extra protection.

The right coverage depends on your personal needs and budget. Consider who will drive your vehicles, whether your vehicle is financed, and if comprehensive or collision coverage is required by your lender. You can also verify state-specific requirements via our homepage.

We ensure your policy meets all legal requirements. If you’re unsure, simply submit your question through our Contact Us page and our team will guide you through the process.

You can add or remove vehicles or drivers, or adjust coverages at any time. Submit a request via Contact Us, or log into your account and select "Change My Policy" to manage your policy online.

No — just add them to your existing policy. No new policy is required.

Adding or removing a driver is simple. Submit your request via Contact Us. You can also manage these changes in your online account under "Change My Policy".

You should have received a letter explaining why the driver was added. Follow the instructions in the letter and submit the form via Contact Us. If you did not receive a letter, our team can help resolve the issue.

Premiums may increase due to underwriting review, undisclosed accidents or violations, or adjustments to discounts. Questions about your premium can be submitted via Contact Us.

An endorsement is an amendment to your policy, such as adding coverage or modifying vehicles or drivers. After an endorsement, you’ll receive an updated Amended Declarations Page reflecting all changes.

The Declarations Page details your policy, including insured vehicles, coverages, deductibles, premiums, and any endorsements or excluded drivers.

Premiums can rise due to market conditions, accidents, violations, added vehicles/drivers, or changes in coverage limits. Submit questions via Contact Us.

If EagleWay makes a change, a letter is sent explaining the change and why it occurred. Once requested documents are received, your policy may be restored to its previous status.

Submit a cancellation request via Contact Us. Include your policy number, full name, address, date of birth, and the date you want your policy canceled. We will process your request promptly.

If canceled beyond the state’s reinstatement period, a new policy application is required. If within the period and you had no accidents, request reinstatement via your online account. Complete a Statement of No Losses, make the payment, and coverage continues without a lapse. You can also submit reinstatement requests via Contact Us.

You can request reinstatement if your policy has been canceled for fewer than the required number of days and you have not had an accident during that period. Submit the request via Contact Us with required documents and payments.

You can request reinstatement if your policy has been canceled for fewer than the required number of days and you have not had an accident. Submit your request via Contact Us and pay all owed amounts.

Ancillary products are optional services not affiliated with EagleWay, such as Roadside Assistance, Travel Protection, and Auto Protection Plans. They complement your insurance but are separate from your policy.

An SR22 or FR44 certifies your insurance meets state requirements. Request it via Contact Us. Some states require full payment for coverage and may charge additional filing fees.

Check with us via Contact Us to see if the EagleWay homeowner discount is offered in your state and if you qualify. To receive the discount, submit a declaration page from your home insurance, a recent mortgage statement, or recent tax records.

To see if you qualify for the prior insurance discount, submit proof of prior insurance via Contact Us. Acceptable documentation includes:

• Declaration page from the prior company showing at least 6 months of coverage, within 7 days of the effective date of your EagleWay policy.
• Letter of experience from the prior company confirming the policy is still in force, or a cancellation notice showing the policy end date.
• A renewal quote effective within 7 days of your new EagleWay policy effective date.

Provide one of the following for proof of residency:

• A utility bill showing your address within 30 days of the policy effective date
• A valid, unexpired state driver’s license showing your address

There is no grace period for renewals. If you renew within 30 days of expiration, your policy number can remain, but a lapse in coverage may occur. Once the policy expires, previous renewal offers are no longer valid and pricing may change. For details, contact us via Contact Us.

Rates are calculated based on coverage limits, deductibles, location, vehicle type, usage, drivers, household structure, and information from consumer reports (credit, MVRs, loss history). For questions, contact Contact Us.

Submit your request via Contact Us and our team will assist you. You can also visit a local EagleWay agent for in-person help.

A Non-Owner’s Policy provides liability coverage for individuals who do not own a car but drive a vehicle they do not own. This policy generally does not include physical damage coverage.

EagleWay offers discounts for employees of certain Affinity Partners. Check your eligibility via Contact Us. Availability varies by state.

EagleWay offers several discounts including prior insurance, multi-product, multi-car, homeowner, good student, safe driver, and affinity discounts. Availability varies by state. Also if you pay with Crypto you'll get extra discount. Check eligibility via Contact Us.

No, premiums are adjusted only at your next renewal. For questions, contact Contact Us.

Submit either (1) a police report showing the accident was not at-fault, or (2) proof the other insurance company paid the claim. All requests are reviewed by Underwriting or Claims before changes are made. Submit via Contact Us.

EagleWay provides multiple payment options. You can pay in person at any EagleWay office, or online via MyAccount or mobile app. You may also submit payment via Contact Us. Payments can be made with credit/debit card, check, cash, or money order. Crypto payments are also accepted with an additional discount for convenience.

If a payment is missed, EagleWay will send a notice giving additional time to pay. If payment is still not made, your policy may be canceled according to state law. In some cases, reinstatement is possible. For assistance, contact Contact Us.

If you cancel early, a portion of the unearned premium may be retained (short rating). State rules vary. If you have a payment plan, cancellation fees may apply. For guidance, contact Contact Us.

Administrative and overhead costs (materials, postage, equipment, labor) are included in payment processing fees. Questions? Contact Contact Us.

Payment date changes are allowed only within 31 days of initial setup and if your account is current. For assistance, contact Contact Us.

Recurring AutoPay can be managed in MyAccount under "Billing/Payments" > "Manage AutoPay". You can also request via Contact Us including policy number, name, address, DOB, and last 4 digits of your card/bank account. Allow 14 days for processing.

If a credit balance exists, you will receive a refund. Contact Contact Us for details.

Grace periods vary by state but are at least 11 days. A notice will be sent. For your specific grace period, contact Contact Us.

Not all policies are eligible for immediate reinstatement. The 7–10 day period allows EagleWay to review claims, cancellations, and payment history to ensure compliance. For guidance, contact Contact Us.

Refunds depend on policy specifics. Contact Contact Us for details on your refund.

Refund timing varies. Ensure your address is current. For exact timing, contact Contact Us.

Redepositing reduces dishonored items by ~50%. This helps policyholders avoid cancellations. Questions? Contact Contact Us.

Processing can take at least 10 business days. Contact Contact Us for updates.

Policies may cancel flat upon NSF return. Exceptions vary by state (FL 15 days, LA/MS 10 days to replace). Contact Contact Us for your state rules.

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Submit a detailed account of your complaint via Contact Us. Include your contact info and one of our representatives will promptly follow up.

If your policy is active, you can update your address via Contact Us. Some info like email or phone can be updated in MyAccount.

Renew via Contact Us, MyAccount, or the app. You may qualify for up to 20% renewal discount if no lapse in prior 12 months. Renewal rules vary by state.

Check your declaration pages, welcome emails, or contact Contact Us to retrieve your policy number.

File a claim via MyAccount, mobile app, or contact Contact Us. Report claims as soon as possible.

If you have Emergency Roadside Assistance, submit your request via Contact Us to get support.

Check MyAccount "Claims Center", use chat, or contact your claims rep via Contact Us to view status.

Reset your password using "Forgot Password" on MyAccount. If username is forgotten, re-register with a new ID. For assistance, contact Contact Us.

Address changes online are limited. Use Contact Us or visit an EagleWay agent if your policy is current.

Check your email for the e-sign link or complete it via MyAccount or mobile app. For help, contact Contact Us.

Submit documents via Contact Us. Accepted methods include fax, email, or mailing address provided through support.

SSN is required to verify identity and obtain an insurance score for accurate pricing. Information is kept secure. Questions? Contact Contact Us.

NOC is sent if payment under installment plan is missed. It warns of future policy cancellation. Contact Contact Us for details.

A notice mailed after the policy is officially canceled. For questions, contact Contact Us.

Request to restore a canceled policy without lapse. Must certify no accidents and bring account current. Submit via Contact Us.

MOA documents changes to your installment plan or policy endorsement. Questions? Contact Contact Us.

Certifies no accidents/losses during cancellation period. Required for reinstatement. For assistance, contact Contact Us.

Pro-Rate Cancellation returns premium without penalty. Short-Rate Cancellation applies a penalty (typically 10% of unearned premium). Contact Contact Us for details.

An Acquisition Charge (Set Up Fee) covers administrative costs for installment payments. Fully earned and non-refundable. For clarification, contact Contact Us.