Contact Us


Monday-Friday: 9am – 5pm

Have a question about your policy or need help with something? You’ve come to the right place. The following are several quick and convenient ways to get in touch.


+1 (310) 299-5555



Customer Service

If you ever need help, you can call us (310) 299-5555

Need to Report an Incident?

Call the number provided on your insurance card to report the accident to your insurance company.

Suspect Fraud?

If you suspect fraud activities, contact NICB in the following ways. All tips can be anonymous:

Call 800.TEL.NICB (800.835.6422) Monday through Friday 7 a.m. to 7 p.m. CST

Frequently Asked Questions

How do I print my Auto insurance ID card?

Print your Auto insurance ID card or evidence of insurance through your online account. Log in, click on your Auto insurance policy, and choose the link to print your evidence of insurance. If you don’t have a  account, you can register today.

Setting up an online account is typically straightforward. You’ll typically only need an email address and the following details from your paper statement:

  1. Insurance company website
  2. Policy number
  3. Contact information associated with your account

During the sign-up process, you’ll create a secure login with a screen name (often your email address) and a password. This login will enable you to access your information securely online. Most websites will also prompt you to set up security questions to verify your identity. It’s advisable to keep a record of this information in a secure place for future reference.

Alternatively, you can call us at +1 (310) 299-5555 during our operating hours, and we will send it to your email.

Am I covered if I rent a car?

Whether you are covered when renting a car depends on several factors, including the type of insurance you have and the terms of your policy. Here are some common scenarios to consider:

  1. Your Personal Auto Insurance: In many cases, your personal auto insurance policy will extend coverage to a rental car. This means that the liability, comprehensive, and collision coverage you have on your own car may also apply to the rental car. However, the extent of coverage can vary, so it’s important to check your policy and contact your insurance provider for specific details.

  2. Credit Card Coverage: Some credit cards offer rental car insurance as a benefit when you use the card to pay for the rental. This coverage can vary between credit cards, so it’s essential to understand the terms and conditions of your card’s rental car insurance. Keep in mind that this coverage is typically secondary, meaning it kicks in after your personal auto insurance.

  3. Rental Car Company Insurance: Rental car companies often offer their own insurance options, such as Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). These options can provide coverage for damage to the rental car but may be expensive. Be sure to understand what is covered by the rental company’s insurance and what your responsibilities are in case of an accident.

  4. Non-Owned Auto Coverage: Some insurance policies include non-owned auto coverage, which can provide liability coverage when you rent a car. Again, the extent of this coverage can vary, so check with your insurance provider.

  5. No Insurance: If you do not have personal auto insurance and your credit card does not provide rental car coverage, you may need to purchase insurance from the rental car company to ensure you are covered in case of an accident.

It’s crucial to review your own insurance policy and contact your insurance provider to understand your specific coverage when renting a car. Additionally, read and understand the terms and conditions of any rental car insurance offered by the rental company to make an informed decision about whether to purchase it.

How do you calculate my premium?

Insurance premiums are calculated based on various factors that help insurers assess the risk associated with insuring you. While the specific formula and factors can vary between insurance companies and types of insurance, here are some common factors that influence the calculation of insurance premiums:

  1. Type of Insurance: The type of insurance you’re purchasing (e.g., auto, home, health, life) is a significant factor. Each type of insurance has its own set of risk factors and underwriting criteria.

  2. Coverage Amount: The amount of coverage you select plays a role in determining your premium. Higher coverage limits typically result in higher premiums.

  3. Deductible: Your deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premium, but it means you’ll have to pay more in the event of a claim.

  4. Risk Factors: Insurers assess your risk based on factors such as your age, gender, marital status, and occupation. For auto insurance, factors like your driving history and the make and model of your vehicle are also considered. In health insurance, your age, medical history, and lifestyle choices may impact your premium.

  5. Location: Where you live can affect your premium. Insurers consider factors like crime rates, weather-related risks, and the cost of healthcare when determining rates for home and auto insurance.

  6. Credit Score: In some cases, insurers use your credit score to assess your risk as a policyholder. A lower credit score may result in a higher premium.

  7. Claim History: Your past claims history, including any previous insurance claims you’ve made, can impact your premium. Those with a history of frequent claims may pay higher premiums.

  8. Driving Record: For auto insurance, your driving record is a significant factor. Accidents, traffic violations, and DUI convictions can lead to higher premiums.

  9. Discounts: Many insurers offer discounts for various reasons, such as bundling multiple insurance policies (e.g., auto and home), having a good driving record, installing safety features in your home or car, or being a loyal customer.

  10. Coverage Options: Additional coverage options or endorsements can add to your premium cost. For example, adding roadside assistance to your auto insurance or flood coverage to your homeowners’ insurance will increase your premium.

  11. Usage: For auto insurance, how you use your vehicle (e.g., for commuting, pleasure, business) and the number of miles you drive annually can impact your premium.

To calculate your insurance premium, insurers use complex algorithms that consider these factors, among others. It’s essential to shop around and compare quotes from different insurance providers to find the best coverage at a competitive rate, as premiums can vary significantly between insurers. Additionally, maintaining a good driving record and credit score can help you secure lower insurance premiums.

Can I get a insurance quote online?

Yes, you can typically get an insurance quote online from us. Cover Today Insurance offers online quoting tools that allow you to receive a personalized estimate of the cost of insurance coverage based on your specific information and needs.

Here’s how to go about getting an insurance quote online:

  1. Navigate to the Coverage Page: Once you’re on the insurance company’s page, look for a “Coverage” or “Get a Quote” section in the navigation menu. It may also be labeled as “Insurance Products” or something similar. Click on this section to access information about the types of insurance we offer.

  2. Select the Type of Insurance: Choose the type of insurance you’re interested in, such as auto, home, renters, life, health, or any other type of insurance the company offers.

  3. Fill Out the Quote Form: You will typically need to provide information about yourself, your location, and details related to the type of insurance you’re seeking. For auto insurance, this might include information about your vehicle and driving history. For home insurance, you may need to provide details about your home and its contents.

  4. Customize Coverage: You can often customize the coverage options and limits to see how they affect the quoted premium. Adjusting deductible amounts and coverage levels can help you find a policy that fits your budget and needs.

  5. Get Your Quote: After providing the required information, the online tool will generate a quote for you. This quote will typically include the estimated premium you would pay for the coverage you’ve selected.

  6. Compare Quotes: You can use this quote to compare rates from different insurance companies and determine which one offers the best coverage and value for your needs.

  7. Contact Us: If you’re satisfied with the quote, you can contact us at 310-299-5555 to finalize the policy and complete the application process. We may require additional information or documentation to complete the application.

Keep in mind that the accuracy of the quote depends on the accuracy of the information you provide. It’s important to be truthful and provide complete and up-to-date information to ensure that the quote reflects your actual risk profile.

Additionally, while getting an online insurance quote is convenient and a good way to compare prices, it’s a good idea to speak with an insurance agent or representative to clarify any questions you may have about the coverage and to ensure you fully understand the terms and conditions of the policy you’re considering.


What if I want to cancel my insurance policy?

If you want to cancel your insurance policy, you can do so by calling your insurance provider directly or by calling us 310-299-5555  so we can assist you following these general steps:

  1. Contact Your Insurance Provider: Get in touch with your insurance provider directly. You can usually find their contact information on your policy documents, insurance card, or on their website.

  2. Provide Policy Information: When you contact your insurance provider, be prepared to provide your policy number, your full name, and any other information they request to identify your policy.

  3. Inform Them of Your Intentions: Clearly state that you wish to cancel your insurance policy and specify the effective date of cancellation. This is the date when you want the policy to end.

  4. Ask for Cancellation Instructions: Request specific instructions on how to proceed with the cancellation process. Your insurance provider may require you to submit a written request or complete certain forms.

  5. Follow the Provided Steps: Follow the instructions provided by your insurance provider to complete the cancellation process. This may include returning policy documents or insurance cards, signing a cancellation form, or submitting any required paperwork.

  6. Pay Outstanding Premiums: Ensure that you’ve paid any outstanding premiums or fees up to the effective cancellation date. Your insurer will provide guidance on how to make this payment if necessary.

  7. Request Confirmation: After you’ve completed the cancellation process, ask your insurance provider for written confirmation or a cancellation notice. This document serves as proof that your policy has been canceled.

  8. Replace Coverage (if needed): If you’re canceling one insurance policy and require coverage elsewhere (e.g., switching auto insurance providers), make sure to secure new coverage before your current policy’s cancellation date to avoid any gaps in coverage.

  9. Keep Records: Maintain copies of all communication, documents, and records related to the cancellation. Having these records can be valuable for reference in the future.

It’s essential to follow the instructions and procedures provided by your insurance provider. Each insurance company may have its own processes for handling cancellations, so it’s advisable to communicate directly with them to ensure a smooth cancellation process.

Additionally, be aware of any potential cancellation fees or penalties that may apply, especially if you cancel before the policy’s expiration date. Always consider your decision carefully and consult with your insurance agent if you have any questions or concerns.

Does car insurance cover windshield and glass damage?

If you have comprehensive coverage then you should be covered for any kind of auto glass repair subject to your deductible. Some insurance programs offer deductible waiver which is an optional coverage.