Car 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?

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.

 

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AnitaDo you need car insurance 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

Reasons to add Roadside Assistance to your Auto Insurance Policy in Philadelphia – Freedom Insurance Group, Inc

by Anita on December 7, 2015

With the harsh Philadelphia winters, the last thing you need to be worried about is to be stranded along side of your auto. When you add roadside assistance to your auto insurance policy, it is typically less expensive than the big name companies that offer the same service. You have enough going on in your everyday life, you don’t need the stress of having to worry what you would do if you needed help on the road with your auto. Here of some reasons why adding roadside assistance to your auto policy will make your life easier

1. Don’t know how to change a flat tire on your auto? No problem, just call the roadside assistance number. An experienced person will be out to change it for you.
2. Run out of gas? We are all so busy we don’t always check the auto’s gas gauge. Not an issue, call the roadside assistance number and the gas will be delivered to you so that you can get to a gas station without worry to fill up.
3. On your way to that appointment and your battery won’t start? Don’t have jumper cables in your trunk? Just give them a call and your problem will be solved.
4. Busy running around and locked your keys in your auto or trunk? Roadside assistance also helps gets your keys out.
5. Have you broken down and not sure what to do or who to call? Call for roadside assistance and your auto will be towed.
6. Another great reason to add roadside assistance to your auto policy is that you don’t need to put any money out of your pocket to call for help.

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AnitaReasons to add Roadside Assistance to your Auto Insurance Policy in Philadelphia – Freedom Insurance Group, Inc

Auto Insurance Shopping In Philadelphia – Freedom Insurance Group, Inc

by Anita on December 1, 2015

Auto insurance shopping in Philadelphia doesn’t have to be difficult. At Freedom Insurance Group Inc.,we do the shopping for you. We are an experience auto insurance agency in Philadelphia and can assist you in getting the right auto policy based on your auto needs. Basic coverage’s in Pennsylvania start with state mandated coverage’s you must carry and you can add on collision, comprehensive, higher liability limits, under-insured and uninsured motorist protection as well as your tort options. 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.

Freedom Insurance Group offers many discounts for your auto insurance to keep your auto premium low. Such discounts include, your education level, your occupation, marital status, paperless billing and payment options. 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.

Auto insurance rates in Philadelphia are also based on the type of auto you drive, which safety features your auto has 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 coverage’s 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.

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AnitaAuto Insurance Shopping In Philadelphia – Freedom Insurance Group, Inc

Back to school with lower Car Insurance – Philadelphia

by Anita on August 27, 2015

It’s that time. Kids are going back to school. Most people think about books, pencils, back packs, school clothes, new sneakers and haircuts. But you may want to add insurance to the list. If you still have high school students in the house who drive or will soon be getting their license, remind them that good grades equal lower car insurance rates. Many insurance companies offer the good student discount which is for earning a B or better. You must provide your insurance agent with a copy of the last report card as verification. Cheaper car insurance is just another incentive to do well in school.

If you are sending your kid off to college for the first time most likely they will not have a vehicle on campus and will be living in a dorm. Is your son/daughter living away at school 100 miles or more? If the answer is yes, then you may qualify for a discount on your auto insurance. If you have a junior or senior in college they may have a car at school with them and living off campus.  If they have a vehicle at school with them, remember to provide your agent with the address where they are in school. The agent can then split rate the vehicle so that all cars are rated at their respective addresses. This is important for your auto insurance policy. When you are renting a house or apartment your contents are not covered under the landlord’s insurance policy, therefore you may want to think about renter’s insurance. Many students bring TV’s, laptops, game systems and personal belongings with them. Renters insurance may insure these items in a covered loss.  Keep your college student in the loop when it comes to insurance. This way when they are ready to purchase their own auto and renters insurance policy they will know what to do.  These are beneficial life lessons for your kids.

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AnitaBack to school with lower Car Insurance – Philadelphia

Advance Quoting – Freedom Insurance Group, Inc. – Philadelphia

by Anita on August 27, 2015

Advance Quoting

Freedom Insurance Group, Inc.  announces they represent six companies that offer an early quote discount for car insurance quotes in Philadelphia.

Many consumers do not know the savings advantage associated with calling ahead when you need car insurance.  Some of their companies offer a discount just for calling for a quote one to ten days prior to your policy expiration date.  For example, Travelers calls this discount their Early Quote Advantage. With Travelers you may be eligible for a 10% discount if you call for a quote 8 or more days in advance.  Many of the companies they represent have this discount only it’s referred to by a different name.

The following companies offer a discount for getting a quote in advance:  Progressive, Travelers, The Hartford, Safeco, Grange & Mercury.

“It’s true; the early bird does get the worm.  Most consumers are not aware of the fact that calling ahead of time for a car insurance quote can save you money.”  said Anita Allegrezza, Owner & Principal agent of Freedom Insurance Group Inc.   “Freedom Insurance Group, Inc.  represents  10 A or better insurance companies, but we put the customer first.  Everyone wants to save money and take advantage of discounts.  Some people won’t buy if they don’t have a coupon, find it on sale or get a discount.  If insurance companies are offering a discount for calling your agent ahead of time, take advantage of all the savings you can.”

The agency is a full service insurance agency.  They offer auto insurance, homeowners insurance, motorcycle insurance, boat insurance, umbrella insurance, commercial insurance, life insurance, RV insurance, and more.  For more information on Freedom Insurance Group, Inc. or to get a quote, go to their website www.freedom4insurance.com.  There you will also find a money saving checklist with many discount opportunities for you to review prior to speaking with an agent.

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AnitaAdvance Quoting – Freedom Insurance Group, Inc. – Philadelphia

Freedom Insurance Group Inc. as featured in the Northeast Times – Insurance Philadelphia

by Anita on August 7, 2015

Freedom Insurance Group Inc. is an Independent Insurance Agency who has been helping customers save money in Northeast Philadelphia and the surrounding areas since 2003. This Trusted Choice agency represents 10 A rated insurance companies such as Progressive, The Hartford, Travelers, Safeco, Grange and is an AARP authorized agent. What does that mean to the consumer? That means they have the ability to offer the consumer choices and “Freedom from the high cost of insurance.” With just one phone call their team of agents are able to get quotes from 15 different companies. Not only can they save you time, but their experienced agents will review your current coverage and identify any potential areas where you may be underinsured. Freedom Insurance Group Inc. is thorough and reviews all discounts that are available to you. When you have an independent agent, if your rate goes up you don’t have to go far. This agency continually reviews their customers’ policies to make sure they are getting the best rates on car and home insurance. “When you buy insurance from a captive agent your only option is to reduce coverage when the rate goes up. At Freedom Insurance Group Inc. if your rate increases we quote you in other companies, so you can keep the coverages you need. We give our customers the freedom of choice.” said Anita Allegrezza, Owner & Principal Agent.

This full service agency writes car insurance, homeowners, life, commercial, motorcycle, boat, umbrella policies and more. They are conveniently located in the Grant & Academy shopping center next to the Police & Fire Federal Credit Union.

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AnitaFreedom Insurance Group Inc. as featured in the Northeast Times – Insurance Philadelphia