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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What are your hours?
  2. Why should I use an insurance agent at SJ Markham & Son, Inc?
  3. I need a certificate of coverage for my business. How can I get one?
  4. Do I have enough coverage?
  5. Do I need collision coverage on my car if it's over 10 years old?
  6. Can I save money with a higher deductible?
  7. Why did my rate go up?
What are your hours?
We are open 8:00am - 4:30pm, Monday through Friday

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Why should I use an insurance agent at SJ Markham & Son, Inc?
An insurance agent shops around for the best coverage and policy for you. At SJ Markham & Son, our agents have your best interests in mind and work hard to find you the best coverage so that you have to do far less work! Our agents also stay abreast of current developments in the industry and regularly review your policies to ensure you're saving the most money possible while covering what is important to you.

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I need a certificate of coverage for my business. How can I get one?
You can call our office during our business hours or you can submit a request online. At the header on the top of the website, select customer service. Under the business and commercial option, the last item listed is for certificate requests. You may also click here.

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Do I have enough coverage?
Everyone's needs are different. Coverage depends on many factors. Please call our office to speak with one of our agents so that we can determine your needs exactly.

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Do I need collision coverage on my car if it's over 10 years old?
Yes! The age of your car does not matter. You always want to have collision coverage in case your car needs to be replaced.

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Can I save money with a higher deductible?
Yes, you can, but higher deductibles are not for everyone. Everyone's situation is different. We recommend discussing your situation and financial needs and limits with us so that we can determine what your deductible should be.

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Why did my rate go up?

Rates can increase even for drivers with excellent driving records, and rates naturally change over time. Many variables are considered when insurance companies are modeling your rate. It may have increased because you moved to a new area, your credit score changed, you added a teenager to your policy, or you're driving more.

Your rate may also have increased for reasons completely out of your control, such as an increase in vandalism in your area.

If you think your rate may be too high, you can always call our office or send us an email to see if we can't improve it.



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