Question 1

Are you an insurance company?

Accepted Answer

No. Blackline Premier is operated by Bryan Wagner Agency. We are not an insurance carrier and we do not underwrite policies. We work with multiple top-rated, A-rated insurance carriers on your behalf — comparing coverage options and rates to find the best fit for your needs.

Question 2

How fast can I get a quote?

Accepted Answer

Our quote form is quick and easy to complete. Once submitted, our team reviews your information and reaches out with coverage options as quickly as possible.

Question 3

Will getting a quote affect my credit score?

Accepted Answer

No. Getting a quote does not affect your credit score in any way. Any soft inquiry used to verify your information is not reported to credit bureaus.

Question 4

Do you offer rideshare (Uber/Lyft) coverage?

Accepted Answer

Yes. Several of our carrier partners offer specialized endorsements for rideshare drivers. Select the Rideshare option during the quote process and we'll make sure you're properly covered for that use.

Question 5

What is a deductible?

Accepted Answer

A deductible is the amount you pay out of pocket before your carrier's coverage kicks in on a Collision or Comprehensive claim. For example, with a $500 deductible and $2,000 in damage, you pay $500 and your carrier covers the remaining $1,500. We help you choose a deductible that balances your monthly premium against your comfort with out-of-pocket risk.

Question 6

How do I file a claim?

Accepted Answer

Claims are filed directly with your assigned insurance carrier. We make sure you have all the contact information you need before your policy goes active. If you run into any issues, call us at (619) 509-0658 and we'll help you through the process.

Question 7

Which carriers do you work with?

Accepted Answer

We partner with a curated network of A-rated, financially strong insurance carriers. Because we're an agency, those carriers compete for your business — which typically means better rates and broader options than going to any single company directly.

Question 8

What discounts are available?

Accepted Answer

Discounts vary by carrier, but common ones include safe driver discounts, multi-vehicle policies, continuous coverage history, and vehicles with advanced safety features. When we shop your quote, we identify every discount you qualify for across all available carriers.

Frequently Asked Questions