As one of the leading providers of car insurance in Philadelphia, we have created these guidelines to help you stay safe while driving this fall.

More and more Americans are choosing to take part in a healthy lifestyle, which is one of the reasons we see more and more cyclists out on the road these days. Coupled with expensive gas prices and the vehicular congestion that occurs in major cities, riding a bicycle from point A to point B has become a primary mode of transportation for many people, especially those in the city.  

Does it seem that anytime you make a trip into Center City, your nerves are on edge driving around with all the cyclists? You’re not alone. Car insurance in Philadelphia, PA, is incredibly important and can protect you if there were ever an accident. Here at Freedom Insurance Group Inc., we are able to offer our customers policies that are priced well within the minimum requirement according to PA state law.

This summer, as you travel around, you should also be sure to know how to share the road with cyclists. Check out our five tips below.

1.) Freshen up on Common Biking Signals

We’ve all seen the bikers pedaling around sticking their arms and hands out to signify an upcoming turn stop or change of lane. But what exactly do the different biking signals mean? As a smart driver, you should take the time to read up on common biking signals so you can be aware for your next drive.

2.) Know That Bikers Have Rights on the Road

Since cyclists are required to follow the same laws as drivers, they have the same right as you to be on the roads. By putting yourself in the cyclist’s position, you can better understand the difficulties cyclists face.

3.) Stay Off Your Phone

This is a given, even if there are no cyclists around. The last thing you need is another distraction while driving that can put you and others at risk. Just stay off your phone!

4.) Give Some Space When Passing

The best way to prevent against a swipe or collision is by allowing plenty of room between you and the bike you are passing. Treat passing a cyclist as if it was like any other vehicle on the road.

5.) Keep Cyclist in Mind After You Park

No, we’re not saying your whole entire life has to revolve around cyclists. But, if you find yourself having to park on the side of the road, you should be alert for cyclists as you open your car door. This is really important to keep in mind if a bike lane is in between the driving and parking lane.

For more great tips like this, or to learn about our homeowners insurance in Philadelphia, PA give us a call at 215-375-7733.

If you have a home and a mortgage, chances are you have a homeowners insurance policy that covers the property and all of your possessions. But what about if you don’t own because you rent? Who is responsible for your items if there is a fire, flood, or another disaster? We’ll give you a hint: It’s not your landlord.

The benefits of owning a renters insurance policy in Philadelphia, PA cannot be understated. A recent study states that nearly 81 million Americans rent, yet more than half do not have renters insurance because they don’t see its value. Take a look at these three common renters insurance myths and the real truth behind them.

Does your auto policy contain roadside assistance? A lot of car owners do not keep this amazing service on their policy because they do not think the premiums are worth what they are getting in return. However, if you really think about it, what would you do if your car broke down or you got a flat tire? Roadside assistance is also especially helpful for those who do not have any close friends or family nearby in case of an emergency.

Although it may read like some Google search query, anyone who owns or operates a vehicle in Pennsylvania should understand the laws surrounding it. At Freedom Insurance Group, Inc., we work with over 15 partners to bring the lowest costing car insurance to Northeast, Philadelphia as well as a bulk of the state.

As inexpensive as not owning your own car insurance may be, it’s simply not a possibility if you hope to be driving on the roads of Pennsylvania legally. Today, to educate our customers and all drivers in Pennsylvania, we’re going to explore the penalties and ramifications of disobeying this motor vehicle law:

You May Lose Your Driver’s License

Understandably inconvenient, the loss of your driver’s license affects you financially, and even a tad psychologically, as you’re stripped of your autonomy. Legally barred from driving until you’ve restored your standing with the Pennsylvanian DMV, you’ll be forced to take Uber or a form of a public transportation to and from your workplace, the supermarket, and any gym you frequent.

You’ll Be Barraged with Penalties

One broken headlight; one delayed turn, and you can easily be pulled over by the police. Simply by being stopped during traffic, and failing to prove that you’re covered with auto insurance, you can face $476 in penalties, and the aforementioned loss of your driver’s license. To prevent you from trying to drive without either your insurance or license, your registration plate, sticker, cards, and license will be surrendered to the authorities.

Your Only Exemption, Lacking an Auto Policy

After you lose your auto insurance policy, you have exactly 30 days to obtain a new policy, and prove that you did not operate a vehicle during this interim. Because so many uninsured drivers are caught behind the wheel, this exemption is rarely applied, though still legally binding.

You’ll Want to Call Freedom Insurance Group, Inc.

By speaking with a patient and friendly insurance agent at Freedom Insurance Group, Inc., any driver in Pennsylvania can secure the cheapest and most comprehensive car insurance available to a resident of Philadelphia and the greater surrounding areas.

Call us today and we’re ensure you’re driving safely, and confidently again!