H P Lucas & Sons

Tips for Finding an Agent

• Make sure they inform you of discounts
• 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 on premiums Car insurance costs less if you are willing to pay a higher deductible at claim time.

Call H P Lucas & Sons at (757) 827-8287 or talk to them in Hampton for insurance options.

Frequently Asked Questions

• How can I find an agent in Hampton?
• Why do I need an insurance agent?
• How can I file an insurance company complaint?
• Should I carry full coverage?
• What is an SR-22 requirement?