IFA Auto Insurance Policy & Coverage IFA offers the typical standard bundled auto insurance packages, but allows prospective customers the option of tailoring liability and benefit limits. IFA's online quote system is straightforward to use. We came across a few interesting questions in their quote system that we haven't encountered before. IFA asks for details on where the insured vehicles are parked (street vs. garage), and what tort options are (for a sample rate in NJ - whether you want the option to sue another driver for any bodily injury as opposed to just permanent bodily injury). There aren't that many questions, and it's a rather quick process to get a quote proposal. With IFA Auto Insurance customers can opt for time different timelines when they're looking to purchase their policy, 6-months or 12-months. The differences basically boil down to this: a 6-month commitment is more desirable because it gives you flexibility to switch insurers if you find out you don't like IFA. Some people enjoy this shorter term commitment. On the flip side, a 12-month commitment allows you to lock in today's rate for the duration of the year. If you opt for the 6-month policy you'll have to undergo a review at the end of 6 months in which your rates could go up. Also, 12-month policies will many times have lower premiums than their 6-month counterparts.
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