Anita

The Requirement of Auto Insurance in PA and the Elimination of Stress to Find the Right One

by Anita on October 11, 2016

In the state of Pennsylvania, many people own automobiles as their main mode of transportation. Let’s face it, how else are you getting to work? It’s just easier to drive a car when trains and buses are often late or unreliable. However, in order to get behind the wheel of a car, there are many requirements.

Skipping the basics, let’s jump right to auto insurance: drivers are legally required to carry bodily injury liability limits of $15,000/30,000, medical benefits of $5,000, and $5,000 in property damage. It seems like a lot, but when it’s all sorted through in your auto insurance, it can be made simple by a trustworthy agency like ourselves at Freedom Insurance Group, Inc. Instead of shopping for a complicated process, it’s easier to, instead, get one shaped for your needs and your car.

There are additional options to choose from, offered by most auto insurances:

  • Motorist protection
  • Roadside assistance: 24-hour/7 days a week support in the event of an emergency (such as, a dead battery, running out of gas, vehicle breakdown, etc.)
  • Death benefits
  • Loss of work
  • Full coverage auto insurance: this covers your vehicle for comprehensive and collision in the event of an accident or damage to your vehicle.

Right now, there are seven million cars registered in Pennsylvania. Can you imagine? That is no bluff; auto insurance is a real need to many people, covering one, two, even multiple cars in their garage. When you look at the statistics on how many miles are driven annually, the cost of auto insurance in 2016 being averaged at $120/month isn’t so surprising.

Annual miles driven by age group:

  • 16-19 years old: 7,624 miles
  • 20-34 years old: 15,098 miles
  • 35-54 years old: 15,291 miles
  • 55-64 years old: 11,972 miles
  • 65+ years old: 7,646 miles
  • Average: 13,476 miles

If people are driving so much, certainly the risk of a collision is higher. Many insurance companies are constantly raising rates the more and more people get behind the wheel. And that is why we are here for you–to help you, to work with you, and to give you “freedom from the high cost of insurance.” Our name entails just that: we want to save you money and treat you like family because we believe that no one should have to suffer when they are just trying to get to work on time.

Learn more about what Freedom Insurance Group, Inc. provides and give us a call today at: 215-375-7733 for our personalized service and competitive quote!

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AnitaThe Requirement of Auto Insurance in PA and the Elimination of Stress to Find the Right One

Get to Know Us Like Family: Here’s What We Can Do For You

by Anita on October 4, 2016

August 2003 is when Freedom Insurance Group, Inc. came to be, established by Anita Allegrezza as an independent agency. Here, we focus on property and casualty insurance, priding ourselves on our friendly customer service. Even now, we are continuing to expand, ensuring that all of our customers are met with the protection they need.

As a Trusted Choice Agency, we aspire to be your sole insurance agent, freshening your rates and coverage to give you “freedom from the high cost of insurance.” All of our customers are like family to us; we will always strive to provide you with an insurance policy that has competitive rates and complete coverage for all stages of your life.

At Freedom Insurance Group, Inc., we currently have appointments with fifteen different companies:

  1. Progressive Insurance Company
  2. Safeco Insurance Company
  3. Grange Insurance Company
  4. Travelers Insurance Company
  5. The Hartford Insurance Company
  6. AARP/The Hartford Insurance Company
  7. Universal Property
  8. Philadelphia Contributionship Companies
  9. Casualty
  10. Bristol West Insurance Group
  11. Foremost Insurance Group
  12. Capitol Insurance Company
  13. American Independent Insurance Company
  14. Franklin Flood Insurance Company
  15. Agency Insurance Company

All of these companies allow us to remain competitive in the market and give us the flexibility to determine the perfect insurance company suited to you. We customize an insurance package based on your needs, working with you the whole time. We reduce costs, offering multiple discounts to help your monthly budget.

We have four major areas of insurance coverage:

  1. Auto
    Auto insurance provides property coverage that pays for damage or theft of your car, liability coverage that pays for your legal responsibility to others for bodily injury or property damage and medical coverage that pays for the cost of treating injuries or rehabilitation.
  1. Home
    Homeowners insurance entails protection against damages to your house itself as well as to the possessions inside. While it covers damages to your property, it also covers your liability for any injuries or damages incurred by family members or pets to other people’s properties.
  1. Life
    Life insurance has two major types: term and whole life. Whole life insurance is often referred to as permanent life insurance, as it pays a death benefit whenever you pass away, even if you live to be 100. Term insurance is more simple; it only pays if you pass away during the term of the policy.
  1. Renters
    Renters insurance provides liability insurance, covering the tenant’s personal property against perils like fire, theft and vandalism.

Freedom Insurance Group, Inc. will give you the best insurance possible to keep you covered while limiting any kind of risk. When you feel safe with a little extra in your pocket, that is a job well done. We are confident that we can free your world from the restraints other insurance companies impose by ensuring you receive the perfect package for your needs. Call now for your personalized quote!

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AnitaGet to Know Us Like Family: Here’s What We Can Do For You

How To Keep Your Car Cool In The Summer

by Anita on July 13, 2016

car shadeThe heat can make us all feel miserable and getting in a hot car only makes it worse. The stifling air and hot steering wheel make you rethink public transportation. There are plenty of easy things you can do to keep your car cool in the heat. Putting a sun shade on your windshield will block the rays from the sun heating your steering wheel and front seats. Tinted windows are another good way to block the sun not only when your car is parked but also while driving.  Be sure to check with your car insurance agent for your state’s laws regarding the restrictions for the darkness of the tint allowed. When parking your car, look for a shaded area or a spot where the sun hits the back of your vehicle as opposed to the front. Covering your leather seats with a towel or cooling pads will help keep the seats somewhat cooler and not expose your skin to the hot leather. Have your air conditioner serviced and recharge your system or add refrigerant if needed. When getting in your car turn the air on full blast and crack your windows slightly until the air inside the car is cool.  Waiting to put children and pets in the car until the car cools down is strongly suggested.  We hope you find these tips resourceful.  We hope you stay safe and comfortable in these summer months!

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AnitaHow To Keep Your Car Cool In The Summer

Pet Injury Coverage on your auto insurance policy

by Anita on June 30, 2016

Do you have a pet that enjoys going on rides with you and the family? Do you frequently take your dog to a dog park? Do you know that some auto insurance companies have pet injury insurance coverage included under the collision coverage provision on your auto insurance policy? There is no added cost but is available to only dogs and cats. We all know in the state of Pennsylvania, car insurance is mandatory to protect ourselves, our passengers and others. It’s nice to know we can protect our pets as well in the unfortunate case of an auto accident. In order to have pet injury coverage, you need to have collision insurance on at least one vehicle on your auto insurance policy. Because it is included in your collision insurance, there are no deductibles. If your dog or cat is injured as a result of an accident, your auto policy through the collision coverage will assist with paying for the veterinary bills and medicine needed if your pet is injured while driving with you in your vehicle. Keep in mind, pet injury coverage is not the same as pet insurance. Pet insurance typically is purchased by the owner and covers veterinary bills when your pet is sick or injured. Pet insurance sometimes has a deductible and maximums. In order to provide pet injury coverage be sure to tell your insurance agent at Freedom Insurance Group Inc, about your pet so that you can provide the same peace of mind to your loved pet as you do to your passengers. In the worse case scenario, you can be granted up to $1,000.00 if your pet dies as a result of a comprehensive/collision claim. If your vehicle should happen to be stolen with the pet inside, the $1,000.00 death benefit will apply also.

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AnitaPet Injury Coverage on your auto insurance policy

Summer Home Maintenance Tips – Freedom Insurance Group

by Anita on June 22, 2016

Summer Home Maintenance Tips

Photo Of Couple Holding Tools - Freedom Insurance GroupThe weather is warm, the sun is shining and we all want to be outdoors. But with being outdoors comes safety measures around your home. You want to be able to enjoy your weekends so spend some time now preparing your home and outdoors for entertaining. If you have a deck, you want to be sure your insurance agent is aware so that it is properly insured on your homeowners policy. A deck is a great place to hang out but needs to be in good shape to entertain. You want to remove or replace any wood that is damaged to reduce the risk of a fall or injury that could result in a homeowners claim. Check the deck for any cracked, rotting or loose wood. Be sure all nuts and bolts are secured. If your deck is sealed or stained it is recommended to refinish it yearly. With just a mild detergent and water you can effectively clean the outside of your home from any bird, dust or dirt that has accumulated over the winter months. Cleaning out your dryer vents not only creates a more energy efficient dryer but also reduces the risk of a dryer fire. Dryer vents can be easily cleaned with a small brush or duster. Swing sets and trampolines should be checked for loose bolts and springs. You can find bug repellent and bee hive treatments at most home stores to keep your guests and family members free of bug bites. Check your grass and rocks for any divots or small holes the winter or animals have made to avoid any tripping hazards or falls. Taking time to do some simple maintenance will allow you the free time you deserve this summer and also put your mind at ease knowing you have reduced the chances for a home insurance claim.

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AnitaSummer Home Maintenance Tips – Freedom Insurance Group

Why do I need renters insurance?

by Anita on June 17, 2016

Whether you are renting a family home or an apartment, renters insurance will protect you in many ways.  If you have a break-in or an injury that occurs while a guest is visiting, renters insurance will assure that you will covered in the event of a sustained loss within the property you are renting.  Let’s say in an awful situation, you have a fire in the property and lose your possessions, renters insurance will recoup what items you lost due to the fire.  If you have personal property above the average such as jewelry or collections of importance, Freedom Insurance Group can help you decide what additional coverage you may need to protect specific items.  If you have a break-in your material items are covered the same way.  Your renters policy will also provide you with coverage for additional living expenses if you need to relocate temporarily while repairs are made due to the fire.  We all like to entertain and enjoy time with our friends and if a friend was hurt or sustained an injury in our home we would be sick with worry.  Renters insurance takes the fear of your friends injury being a financial burden if a trip to the hospital or doctors is necessary.  It also alleviates any awkwardness between friends.  Renters insurance in Pennsylvania is very affordable and most companies offer flexible payment plans for as little as $175.00 a year.  renters

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AnitaWhy do I need renters insurance?

Summer Heat Safety Tips

by Anita on June 1, 2016

Here we are June 1st and we know what that means…..the heat is on! Here are some friendly heat safety tips from your friends at Freedom Insurance Group.
-stay inside if possible in air conditioning during the mid morning to mid afternoon hours
-dress lightly
-drink plenty of water and other fluids (avoid alcohol and carbonated/caffeine)
-use small appliances like a crock pot and tabletop grills rather than your traditional oven
-when using a fan, do not put it directly in the window, rather place it so it blows in the room and out the window
-stay on the lowest level of your home
-seek medical care right away if you become nauseous, vomiting have cramps
-check on the elderly
signs of heat exhaustion are:
dizziness, excessive sweating, headache, pale skin, pulse that is weak or rapid, fainting
We are looking forward to a wonderful summer and hope these tips help you enjoy yourself.

Heat Wave Buddy Watch

 

 

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AnitaSummer Heat Safety Tips

Recreational vehicle insurance

by Anita on May 25, 2016

Choosing the style, type, size and interior for your RV is very exciting and you can’t wait to go explore the great outdoors and take in some sights! But the next crucial steps is to properly insure your recreational vehicle. Much like auto insurance, RV insurance has state requirements for financial responsibility laws. In Pennsylvania insurance minimums are $15,000/$30,000/$5,000 for bodily injury and medical benefits. Although these are the minimums, is it enough to properly protect your RV and to give you peace of mind if you have to use your RV insurance? Similar to auto insurance, you can add comprehensive and collision coverage as well as roadside assistance to your RV insurance policy. Some ways to save are available if you have an active membership with specified Recreational Vehicle Associations. Safety discount course is not only a smart way to improve your driving skills but will earn you an added discount off the cost of your recreational vehicle insurance. Anti-theft, alarms and disabling devices greatly improve the security of your RV and make it easier to track if the RV was ever stolen. CDL licensed drivers will be entitled as will airbags for a discount in additional, so will anti-lock brakes. Auto insurance and Rv insurance again are alike in that your age, marital status, driving record and claim history all factor into what your rate for insurance will be. Be sure to give Freedom Insurance Group a call at 215-673-0300 to see what savings we can offer you on all your insurance needs!

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AnitaRecreational vehicle insurance

Motorcycle insurance

by Anita on May 18, 2016

The weather is warmer, the potholes are fixed and it’s time to ride!  You are excited and ready to hit the road let’s make sure your motorcycle insurance is ready too. Why get motorcycle insurance?  First, it is mandatory to carry motorcycle insurance.  Second, you will want to make sure you, your bike and others are properly covered in the event you are involved in an accident.  The agents at Freedom Insurance Group Inc. will assist you in getting the motorcycle insurance you need so you can enjoy your ride.  They will discuss with you bodily injury liability coverage which will cover medical expenses that incur with an injury due to an accident.  Property damage liability coverage will cover damages to another person property when you are at fault such as other vehicles or physical property of others. Personal injury protection will reimburse you for medical expenses, funeral and lost income if you are hurt in an accident.  Collision coverage will cover damages to your motorcycle from collision with another object.  Comprehensive coverage will cover your motorcycle damages not caused by an accident.  Uninsured/underinsured motorist coverage will provide coverage for you and your passengers injuries if the other party does not have insurance or enough motorcycle insurance to properly cover the accident.  These motorcycle insurance options are the same as your options when purchasing auto insurance.  Now that you are all set with your motorcycle insurance you can grab your helmet, plan your trip and enjoy the great outdoors.

 

motorcylce

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AnitaMotorcycle insurance

What is boat insurance?

by Anita on May 11, 2016

boatOwning a boat is fun, exhilarating and entertaining! Aside from if you will be fishing, skiing, joy riding or entertaining friends you want to make sure you are covered so you can continue to enjoy yourself. You might be wondering, “what is boat insurance?” Boat insurance has similarities of both auto insurance and home insurance. Boat insurance typically covers bodily injury that your passengers incur or that your boat inflicts on others. Property damage for on docks and other boats as well as physical damage to your boat if damaged by hitting something or running aground. Comprehensive coverage is available for theft, vandalism, fire, flood and personal property coverage for your fishing gear, uninsured boater insurance and roadside assistance in the event you need a tow. Some insurance companies will allow you to suspend your boat insurance for the periods and seasons the boat is not in use. Some ways to save on boat insurance are to take a boating class, mention all of the safety features your boat has and any gadgets onboard that protect the boat and the passengers. Also, the type of boat you own such as a powerboat, fishing boat, personal watercraft etc factor in the boat insurance premium. If you have auto insurance and home insurance you will also be eligible for a multi-policy discount if insured with the same insurance company.

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AnitaWhat is boat insurance?