Auto Insurance Philadelphia

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

Does the color of my car affect my car insurance rate?

by Anita on May 4, 2016

car colorMany people ask, “will the color of my car increase my auto insurance premium?”  Truth be told, insurance companies usually don’t have any knowledge of the color of your auto.  The factors that go into your car insurance premium are the year, make and  model  of your car because they affect repair and replacement costs if you file a claim.  If you have a special paint job or custom color on your vehicle then the auto insurance company would need to know so that in the event of an accident, your car would be restored to it’s proper custom color. Other factors include, how many miles you drive annually as well as if you commute frequently to other states.  Safety features on your vehicle also determine your car insurance premium.  If you have passive restraints, airbags, backup cameras, antilock brakes or a car equipped with driver technology all entitle you to discounts on your car insurance rates. The insurance company will run a motor vehicle report on your driver license for any past accidents which also affects your car insurance premium.  The area in which you live based on car theft or high accident rate is factored into your car insurance rate.  So you can look and purchase any color car you so desire and give Freedom Insurance Group, Inc. a call for a free quote at 215-673-0300!

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AnitaDoes the color of my car affect my car insurance rate?

Distracted Driving

by Anita on March 30, 2016

distracted driving

Do you think you aren’t distracted while you drive? Think again, AAA reports that 25-50% of all accidents are caused by distracted drivers. Distracted driving is the practice of driving a motor vehicle while engaged in another activity, typically one that involves the use of a mobile phone or other electronic devices. Driving while using a cell phone reduces brain activity associated with driving by 37%. drivers increase their risk of a crash two to four times while talking on a mobile device, either hands free or hand held. Cell phone use is not the only distraction. Technology is constantly evolving and now cars are coming equipped with Wi-Fi hot spots, navigation systems, multimedia streaming and social media capabilities. Drivers report that they believe it is safer to use a hands free device as opposed to a hand held device. The majority of surveyed drivers feel that talking on a cell phone was a somewhat or serious threat to their personal safety.  Phone conversations of any type increase reaction times and increase different speed levels, swaying into lanes and having control of the steering wheel.  We all lead such busy lives with not much free time but if we continue these habits of trying to multitask while driving we may not have any time at all.  We can try to change the statists by putting our phones down while driving and waiting till we are in a safe environment to talk, text or plug in to the web.

 

 

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AnitaDistracted Driving

What to do if you have witnessed an auto accident

by Anita on March 16, 2016

If you are ever witness to an auto accident please keep the following tips in mind:
– Pull completely off the road and turn on your emergency flashers.
– Check to see if there are any injured persons. Do not move or touch any injured parties, just try to assess what happened.
– Call 911 and be ready to answer questions and provide as much information as possible. The dispatcher will ask for the location (street, intersection, ramp information). They will also ask how many people need help, such as is anyone bleeding, unconscious or in grave danger.
– If you happen to have a camera or smartphone, take a few pictures. Capture pictures of the vehicles involved, any street or road conditions which may have played a factor in the auto accident. Be prepared to share these pictures with the drivers and law enforcement.
People react differently in emergency situations, but you need to make sure you are smart about how to lend a hand. These tips will help determine what your involvement will be. You can find the official list of obligations and liabilities with being a witness and assisting with an auto accident at www.heartsafeam.com/pages/faq_good_samaritan

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AnitaWhat to do if you have witnessed an auto accident

Does your auto insurance cover your rental car?

by Anita on March 2, 2016

You booked your vacation, planned your itinerary, shopped for clothes and are ready to pack and go. You realize uh-oh we are renting a car…do we have coverage or will it be an unexpected expense to insure the rental? The first step is to contact your insurance agent and discuss your coverages to make sure you have adequate coverage to extend to the rental car. In most cases if you carry comprehensive and liability coverage on your personal car the coverage will extend to the rental car as well. If you are paying for the rental car with a credit card, check with the credit card company to see if they provide secondary coverage in the event there are any gaps in your insurance policy.
The rental company will offer you four main options that in many cases you simply don’t need. Collision Damage Waiver/Loss Damage Waiver is not actually an insurance product but a waiver that transfers the financial responsibility from you to the rental car company if there is damage or theft. If you carry liability coverage on your own vehicle, this is coverage you can decline. Personal effects coverage if you have a homeowners or renters policy your personal items will generally be covered even if they are stolen from the rental car. Personal accident insurance will cover your medical bills in the event of an accident in the rental car. If you have personal injury protection on your auto policy you can decline this coverage. Knowing before you go to the rental car agency what your current auto insurance policy offers, you will save time and grief worrying or deciding what additional insurance you may or may not need.  Be sure to have your current identification card for your vehicle or a picture of it with you when you are ready for the rental car to save time of having to have one faxed over or frantically trying to look it up on the internet. The rental agency will need your policy number and dates of coverage for their records.

car rental agreement

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AnitaDoes your auto insurance cover your rental car?

Help! I’ve been in an auto accident, what do I do?

by Anita on February 17, 2016

The unexpected has happened, you have been in an auto accident and you aren’t sure what to do. The following tips will help you during the event you are involved in an accident.

Remain calm, you cannot change what just occurred it’s best to try to think clearly about the auto accident and what just happened. Note the time of day, road conditions, speed and what led to the auto accident.

Check on all drivers and passengers.  Get medical attention for anyone who needs it.  Do not move anyone who requires medical attention.

Call the police if there is a significant amount of injury or property damage.  Ask for a police report and obtain the name and badge numbers of the responding officers.  (Keep in mind in some municipalities police do not respond for auto accidents unless an injury is reported).

Exchange information with all involved parties. Get names, numbers, addresses, drivers’ license numbers, license plate numbers and basic insurance info such as name of provider and policy numbers.

Do not admit fault or apologize for anything (you may be admitting legal liability).  Be cooperative and cordial to all involved. Ask witness what he or she saw. Get their names and numbers if possible.

Take pictures of your vehicle and all other vehicles involved in the auto accident.

Call your insurance company to notify them of the accident. Explain the facts clearly and truthfully. auto accident

If you are injured, keep track of your medical treatment. Request copies of all medical reports and bills.

After the accident has been reported you will contacted by a claims adjuster if you have damage to your vehicle. They will advise you on how and where to get your vehicle fixed.  Keep your adjusters name and phone number handy in the event you need it for medical bills or have any further questions involving your auto claim.

 

 

 

 

 

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AnitaHelp! I’ve been in an auto accident, what do I do?

Do you need car insurance in Philadelphia?

by Anita on February 12, 2016

It is a state law to have car insurance in Philadelphia. By law you are required to carry the following coverage:
Bodily Injury Liability~ the minimum limit is $15,000/$30,000
Medical Benefits~ minimum limit is $5,000 of coverage
Property Damage Liability~ the minimum limit is $5,000
These are the minimums for car insurance in Philadelphia that you must purchase. It makes sense to purchase car insurance based on your financial portfolio. To determine how much car insurance in Philadelphia you should purchase, you want to have coverage equal to your assets.
If you get into an accident or pulled over, a police officer is going to ask you for your license, auto insurance and registration. Not having car insurance can lead to your car being confiscated and with hefty fines attached.
Chances are if you haven’t shopped around for car insurance in Philadelphia lately, you could be pleasantly surprised when you get a quote that will satisfy your financial portfolio as well as your pocket. Insurance companies determine their rates individually. Not all car insurance providers charge the same, that’s where Freedom Insurance Group Inc. comes in handy.  We do the car insurance shopping for you by quoting your needs with 10 A+ rated companies to get you the lowest car insurance premium based on your needs. Honestly, we all want low cost car insurance in Philadelphia, but the key is getting affordable car insurance with the right amount of coverage.  Having the right car insurance agency in Philadelphia like Freedom Insurance Group Inc. will make it easy to get the coverage you need at an affordable rate.  Our licensed agents have the experience to assist you throughout the process of getting a new policy as well as assisting you with any accidents and or claims you may encounter in the future.  We strive to get and keep your car insurance in Philadelphia low.  If you are short on time, you can always request a quote online at www.freedom4insurance.com or call 215-673-0300.

 

car-insurance-18979086

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AnitaDo you need car insurance in Philadelphia?

Auto insurance discounts in Philadelphia

by Anita on February 2, 2016

Do you know all of the auto insurance discounts in Philadelphia available to you? We search through the ads in newspapers and online for sales and coupons. Why not approach buying auto insurance in Philadelphia the same way?  We all want to find a good price and sale on the things we purchase, the same auto insurance discounts are also found when shopping for auto insurance at Freedom Insurance Group. Call Freedom Insurance Group at 215-673-0300 to get your free quote and to discuss all the ways you can save money on your auto insurance. Did you know you are eligible for an advanced quote discount, which means you shop for auto insurance before you are picking your new car up or switching you current auto insurance company? You can qualify for a discount if you are purchasing a new vehicle and what the vehicle has to offer in the line of  safety features. Many or most cars have dual airbags, passive restraints, anti-lock brakes and numerous other safety features with the construction of the vehicle. Many companies offer what is called a paperless discount which saves money on postage and to helps the environment by sending correspondence such as bills, reminders and insurance ID cards via email. Your marital status, education level and occupation also offer discounts. Owning a home entitles you to a home owner discount and possibly a bundling discount if your auto and home is insured with the same company. If you have a teen through twenty four year old on your policy who is in good academic standing with a GPA or 3.0 or better also qualifies for a good student discount as well as a discount for driver’s education and road experience education classes.  Your college driver can qualify for an away at school discount if your student attends school over 100 miles away without a vehicle on campus. Our seniors qualify for discounts for completion of safe and defensive drivers courses. Low mileage discounts are available for those drivers who travel less than 7500 miles a year. Prior insurance coverage and length of prior insurance coverage adds up to savings in save moneyyour pocket also.

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AnitaAuto insurance discounts in Philadelphia

Must have items in your auto emergency kit

by Anita on January 12, 2016

Are you prepared for a traffic snafu or being stuck in your auto due to bad weather? Here is a list of helpful items to keep in your auto to be prepared for an emergency.
1. What would we do without our cell phones? Be sure to have a car charger for your auto in the case that your phone battery dies. You can choose between a precharged or one your can plug into your auto’s cigarette lighter. With your cell phone you can easily contact your roadside assistance company.
2. A flashlight in your auto glove compartment is a must have in the event your car is broken down, you can place it on top of the auto’s roof to alert others your car is in distress. You of course can use it to light the roadway if you have to open your auto’s trunk or walk on the roadway.
3. Spare tires are sometimes too easy to forget about checking to make sure you  have one for your auto. Even if you have roadside assistance on your auto insurance policy, it is in your best interest to have one handy.
4. Extra fuses help when your tail light or brake light as well as turning signals are broken on your auto. Having them available just may even deter you from getting a ticket.
5. Nonperishable food and water is not only helpful in the case of an auto emergency it also helps for those unexpected days or nights when we are running around and on the go. An extra sweater or blanket can help on those bitter cold days.
6. An auto first aid kit which can benefit you as well as passengers and people you may come into contact with.
Most importantly, your safety is key and these items may seem like overkill but if needed you know you have everything you may need at your fingertips.

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AnitaMust have items in your auto emergency kit

Shopping car insurance in Philadelphia

by Anita on December 14, 2015

Shopping for car insurance in Philadelphia doesn’t have to be difficult. At Freedom Insurance Group Inc., we do t he shopping for you. We began Freedom Insurance Group Inc., with a table, computer and fax machine. We have helped many loyal customers in Philadelphia shop for auto insurance. We are an experienced auto insurance agency in Philadelphia with over 12 plus years in the Northeast Philadelphia area and can assist you in getting the right auto policy based on your auto needs. Basic auto insurance coverages in Pennsylvania start with state mandated coverages you must carry such as bodily injury, property damage and medical benefits after the mandated coverages, you can add on collision, comprehensive, higher liability limits, underinsured and uninsured motorist protection as well as choose your tort options.

Freedom Insurance Group Inc. offers many discounts for your auto insurance to keep your auto premium low. Such discounts include our education level, your occupation, marital status, paperless billing and various payment options. Signing your auto application for insurance electronically not only helps the environment but also helps adds to your savings. Purchasing a new auto or having safety features on your auto can also save you money. Owning your home will qualify you for a homeowner discount and could keep your insurance premium low by bundling your auto and home insurance. Low mileage on your auto can also be applied as a discount. Senior drivers qualify for a reduction in auto premium by taking a defensive driver course and on the other hand, young drivers can save by taking a drivers education auto class or a road experience course.

Auto insurance rates in Philadelphia are also based on the type of auto you drive, which safety features your auto ahs such as air bags, anti-lock brakes, restraints and alarms. Auto rates are also based on your zip code and driving record such as tickets or accidents. Your auto insurance premium is also calculated by what coverages best suite your individual needs taking into consideration your assets, drivers in household and liability amounts needed to protect your family. Freedom Insurance Group Inc. can cater to your specific auto insurance needs.

Freedom Insurance Group Inc. is easily accessible by the Roosevelt Blvd, I-95 and the Pennsylvania turnpike. We can be found on the web at www.freedom4insurance.com on your home computer or mobile phone.

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AnitaShopping car insurance in Philadelphia