Auto Insurance

Here is what you as a consumer need to know about auto insurance and your coverages.

What are your rates based on?

Your zip code, driving record, tickets, accidents,annual mileage, credit score, occupation, education, safety features on your car, coverage you select, amount of your deductibles and discounts (Good student, New car, etc....)

How do you know if you are getting the best deal....

First compare apples to apples. Get quotes based on what you have now.  Then ask your agent if you are under insured or over insured currently. If you have recently purchased a home....make sure your policy limits are high enough to cover any liability you may incur.

Have you recently purchased a home, moved to a new zip code, purchased a new car, gotten married, had a child or had your rates go up?  Then its time to review your coverage.

What are the basic coverages?

Collision - Collision insurance covers repairs to your vehicle if it is damaged by hitting another object or vehicle regardless of fault.

Comprehensive -

Comprehensive insurance provides protection for your vehicle in case it is damaged by something other than a collision with another vehicle or object. Comprehensive insurance pays to repair or replace your vehicle in case of:

• Fire
• Theft
• Vandalism
• Windstorm
• Collision with an animal
• Glass breaking
• And much more

Liability - Pays the other party for property damage or bodily injury if you are found to be at fault for the accident.

Personal Injury Protection - Pays the medical expenses for you and other people covered under your policy should you be injured in an accident.  It is no-fault so you are covered no matter who is at fault for the accident.

Underinsured and Uninsured Motorist coverage - protects you if you get into an accident with a driver that is uninsured or does not have adequate coverage to cover any expenses.

Medical Expenses - this coverage pays for medical expenses incurred by the driver or passengers after an accident and typically has limits under $10,000.  After you reach the limit as described in your policy, your health insurance would kick in and depending upon your plan begin to pay.

What are deductibles?

The amount you must first pay before an insurance company will pay a claim.  There are various limits to choose from and they will affect your rates.

Call Now TO SPEAK TO ONE OF OUR AGENTS OR REQUEST A QUOTE THROUGH OUR WEBSITE.  IF YOU DON'T HAVE A LOT OF TIME YOU CAN FAX YOUR CURRENT POLICY to  215-673-0533 OR SEND US AN EMAIL TO SCHEDULE AN APPOINTMENT.