Nice. Call 877.PAL.NICE for a free quote.

Common Customer Questions & Answers

Customer care defines the Palisades company culture. It is a quality we seek in the people we hire, in the agents we appoint, in the body shops and companies we do business with and in the way we conduct business every day.

We try to take an ordinary call and transform it into an extraordinary experience. Our goal is to have customers say, "Wow! I am really glad to be insured with Palisades."

Exceptional customer service also means that we go above and beyond to deliver to you special services that enhance your overall experience with Palisades. Our auto claim services like Crashbusters®, Door to Door Valet Claim ServiceSM, and the guaranteed repair shops are examples of how your insurance dollars go beyond the insurance protection you purchase for your car.

Here are common questions for Palisades customers. Click the blue links to read the answer.

How can I pay my Palisades policy? 

There are several options to pay for your Palisades insurance policy:

  • Pay instantly online. Login to your account here, or take 3 minutes to set-up a new online login. Currently, this is only available for personal auto insurance; it will soon be available for other Palisades policy types.
  • Pay automatically with the Electronic Funds Transfer (EFT) Payment Plan. This plan automatically deducts your monthly installments from either your checking or savings account. Contact your Palisades agent for more information on this option - or simply download the PDF form by clicking here (you'll need Adobe Reader). Just print, complete and mail it. The EFT form can be faxed in to Palisades at 908.790.7845.
  • If you have personal auto insurance, you can also use the telephone to pay 24/7 through the Automated Billing Attendant on 888.725.9004.  24 hours a day, 7 days a week you can pay from your checking account, savings account, Visa or MasterCard. 
  • Your Palisades agent can accept all forms of payment, including credit cards.
  • If you would like to mail a check or money order directly to Palisades, please send it to:
    Palisades
    PO Box 856157
    Louisville, KY 40285-6157
    …and be sure to include your policy number, your return address, postage, and allow at least 5 business days for mailing.

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What are my options for auto payment plans or schedules?

Personal Auto Insurance

You can select from the payment plan that suits your needs:

Pay in Full You may be entitled to an additional 5% discount when you pay the full premium.
4-Pay Plan Become insured with an initial down payment, followed by payment 60, 120 and 180 days after the effective date.
8-Pay Plan Become insured with an initial down payment, followed by payments on the same day each month, for the next 7 months.
Electronic Funds Transfer (EFT) Payment Plan, also known as the 11-Pay Plan This plan automatically deducts your monthly installments from your checking or savings account. The first payment is the effective day of your policy, with the remaining payments automatically deducted on the same day each month for the next 10 months.
To get EFT, you can download the PDF form by clicking here (you'll need Adobe Reader). Just print, complete and mail it. The EFT form can be faxed in to Palisades at 908.790.7845. Alternatively, we'll mail you the form — just call 877.PAL.NICE.

Remember: you can make payments towards your 4-pay or 8-play instantly online. Login to your account here, or take 3 minutes to set-up a new online login.

Commercial Auto Insurance

You can select a plan that fits your business needs:

Pay in full Pay the entire premium at the start.
Electronic Funds Transfer (EFT) Also called automatic bill pay. With a small down payment of 10%, your remaining 10 payments are withdrawn automatically from a checking or savings account.
Installment Plan With a 25% down payment, receive 7 bills directly and make payments by mail or online.
Premium Finance We accept premium finance company payments

 

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What discounts does Palisades offer for auto insurance? 

Personal Auto Insurance

Palisades offers many discounts that could help save you hundreds of dollars from your premium.
These discounts include:

    • Multiple driver discount
    • Pay in full discount
    • Homeowner discount
    • Safe driver discount
    • Safety pledge discount
    • Claims free discount
    • Passive restraint discount
    • Anti-theft discount
    • Defensive driving discount
    • And more!

Palisades also offers accident forgiveness, which safe drivers can qualify for at no charge.

To learn more about our personal auto insurance discounts, please click here.

Commercial Auto Insurance

Palisades provides value to business owners through its pricing, value-added service, prompt claims payments, and discounts. Discounts include:

    • Longevity discount - applies if you've been a customer with your current insurance carrier for 3 or more years. This applies even if you switch agents to take Palisades insurance. 
    • Companion discount - applies if you have another commercial policy with your agent. 
    • Loyalty discount - applies if you take the Palisades Commercial Auto policy with your current agent.

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I'd like to renew my auto policy, but lost the renewal questionnaire you mailed. Can I download a copy? 

We're glad you like Palisades. If you’ve misplaced the renewal questionnaire, click here to download and open a copy (you'll need Adobe Reader to view and print). You can fill out the questionnaire in Adobe, or just print, complete it and mail it to the address printed at the top of the questionnaire.

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Can I deal with Palisades directly?

Palisades is an Independent Agency Company. Palisades sells insurance through local independent agents, who are available to assist you with all of your policy questions and any other insurance needs you may have. Working with agents gives consumers many benefits and choices – click here to learn more.

Your agent’s address and contact information can be found on your policy declarations page, invoice or insurance ID cards, or you can search for Palisades agents. 

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Who do I call if I have an auto accident or a claim for flood insurance, or umbrella insurance claim?

You can report a claim to Palisades 24 hours a day, 7 days a week by calling 877.PAL.NICE (877.725.6423).

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How can I manage my insurance policy online?

Paying bills and reviewing your personal car insurance coverages, deductibles, and payment schedule has never been easier for your personal auto insurance policy. Commercial auto, umbrella, and flood insurance policies be be available online in early 2010. After you login to your account, you have several options:

  • Make a payment - pay via credit card or a direct debit from a bank account
  • My profile - change your registered email address, security information or password. Use this option to select "Electronic Documents" where all documents, including invoices and policy documents, are sent  to you via email.
  • View my billing information - view payment plan, payment history, current payment due, or  future payment installments due
  • Print documents - view and print declaration pages, a summary of your policy

If you have not signed-up for online access, register right now.

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How can I learn more about Palisades Personal Auto Insurance, Commercial Auto Insurance, Umbrella Insurance, or Flood Insurance?

To learn how Palisades gives customers more value and more service for Personal Auto Insurance, Commercial Auto Insurance,Umbrella Insurance, or Flood Insurance, browse this website - then contact us for a free insurance quote or more information:

  • Call 877.PAL.NICE (877.725.6423) 8am-8pm, Monday-Friday, for more information or a free quote for New Jersey Personal Auto Insurance, Home Insurance, Umbrella Insurance, and Flood Insurance.
  • For New Jersey Commercial Auto Insurance, call a Palisades agent licensed for NJ commercial auto insurance. Find a agent by clicking here. Note that selected agents from this list are able to provide Palisades Commercial Auto Insurance - call to confirm availability.

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Note: This material is not a replacement for, or an addendum to, your policy contract. For a complete description of your coverages and definitions, please refer to your Palisades policy.