You've Got Questions, We've Got Answers
Feeling a little lost? Salt can show you the way to the most affordable insurance coverage in Texas.
What do you do with my info?
The info you provide Salt allows our insurance companies to determine the right amount of premium for the amount of risk that is being transferred to them. The purpose of insurance is to offer a way to exchange premium (your money) for a guarantee of compensation (insurance company’s money) given a future loss (claim). Your info is not given to any third parties.
Salt is an appointed representative of the insurance companies and your info is only shared as a part of that agreement and underwriting process. You can rest assured that your information is kept private and only used for underwriting purposes. Thank you for trusting us with your personal information. We will take good care of it and it is safe with us.
How do you make money?
As an appointed representative of several insurance companies, we are under contract to perform the sales function of their operation. Rather than hire thousands of salespeople to distribute their product, the insurance company utilizes independent agents like Salt to reach you, the consumer.
As a part of that agreement, the insurance companies pay Salt commission for what we sell. The commission is an agreed-on percentage of the premiums that you pay to the insurance company. You will owe Salt nothing, whether you decide to stick with us or not.
Who will my policy be with?
Let’s define the relationship! Salt is the agent or “middleman” as some like to call it. Our job in the relationship is to place your policy or coverage with one of several insurance companies that we represent. Their job in the relationship is to pay you (make you whole) should you experience a covered loss.
Who will be my agent?
Salt. Our job is to offer counsel about coverage options, provide access to multiple companies for competitive quotes now and at renewal, and to meet your service needs during the life of the policy.
Some of the carriers we work with offer 24/7/365 support for your service needs and claims. We will make sure you are connected to the best service possible for your policy.
Who do I call if I need to change something?
If your company offers a service center, they will be the fastest, most reliable way to make changes to your policy. Salt, though, is always here to help in any area you need it. Don't hesitate to reach out with any questions or concerns.
Will I start getting phone calls that I don’t want?
Absolutely not. We will only call you if you request it and it will be at an appointed time. We do not share your phone number or email with any third parties, so you don’t have to worry that other agents will start contacting you. You are safe with Salt!
Can I trust that my claims will be paid?
You can trust that we have vetted the insurance companies that we represent and we are particular about how they treat our friends. After all, as the saying goes, “You are the company you keep.”
We will also allow you to rate your experience with the insurance companies so that we can keep them in line. As long as the coverage is offered in your policy, the company will pay the claim.
Can I talk to someone if I have questions?
Sure! We are here for you. You can call us anytime between 8am-7pm CST M-F. If you need answers after hours or on the weekend, we certainly apologize for not being there, but will get back to you ASAP the following business day.
Do you look at my credit?
At Salt, we do not look at your credit. Some of the insurance companies that we represent use what is called an insurance score to establish rates. An insurance score takes many variables into account, including claims history and credit. This look or soft inquiry does not hit your credit as it would if you were applying for a loan or a credit card.