Auto Insurance

There are many different coverage options available for auto insurance. Here are 7 you should consider when shopping for auto insurance.

Bodily Injury Liability

If your actions are found to be the cause of an accident this covers the cost of the injuries per passenger. In PA we are a no fault medical state, so you want to take into account your own Personal Injury Protection as well. Full and Limited tort also make a large difference in your cost so it’s something you want to take into consideration.

Property Damage 

This coverage compensates for damage to other property including another car, telephone pool, storefront signs etc. Talk to your agent about what’s right for you, the bigger and more powerful your car, the more you want to have.

Collision Deductible

This coverage comes into play when an accident results in your car colliding with anything. The amount of deductible you choose is up to you, however you want to consider what you would expect to pay out of pocket if you are involved in an accident.

Comprehensive Deductible 

The type of coverage compensates when there is damage to your auto due to acts of god like animals and flood, or things like vandalism or a windshield crack. The amount of deductible you choose is up to you just like collision, again you want consider what you would expect to pay out of pocket if you are involved in an accident.

Under insured/Uninsured Motorist Coverage

This coverage comes into play when someone else hits you and causes an accident and either has no insurance or not enough insurance to cover your  injuries.

Extras

Things like towing, roadside assistance, and rental car coverage are just a few of the many extras offered to make up a policy that fits your needs.

WHAT ARE SOME THINGS THAT DETERMINE MY AUTO INSURANCE  PREMIUM/RATE?

YOUR CAR

How safe is it?
Safety features and technology can protect you in accident which can drive your price down by getting you additional discounts.

How expensive is it to fix?
Everyday we are improving cars and technology and how much the cost of a repair to your car would be, or what they might expect the claim to be based on the MSRP have a determining factor in your cost.

How often is it wrecked?
Insurance is based largely on statistics, and statistics will show us if a car tends to be in more accidents its more of a risk.

YOU
Things like age, are you male or female, and your credit history are all statistical determining factors in the cost of your insurance

Those with clean driving records can also expect to pay less for insurance as even the smallest of claims can stay on your record for up to 5 years.

AMOUNT OF COVERAGE
There are state laws to determine certain coverage, and if you lease or make payments on your car they will require you to carry a specific amount of coverage.

The rest is up to you, which is why you need us to help guide you to the best insurance for your lifestyle for the best price!

Now that you have some information about the different coverage available, you are probably ready to find the right coverage for you. The best way to do this is call our office and speak to a licensed agent that can advise you. By working with us you can rest assured your are getting the best deal as well as getting the personalized service you deserve.

Tips from Ashley!

If you get in a “fender bender” 

 1. Check for injuries and call 911 for emergencies if needed

2. If damage is minor, move cars to the side of the road to avoid blocking traffic

3. Exchange information with other drivers, if you have a smart phone take photos of their drivers license and insurance card and pictures  of all vehicles involved and the accident scene from different angles

4. Gather information from witnesses and passengers that may have been involved such as names, addresses and telephone numbers.

5. Get police information

6. Call your agent to discuss your next steps, and you can always call us at any point to ask for advice! That’s why we’re here!

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