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Taking A Road Trip? Make Sure to Keep These Tips in Mind Before Driving!

by Anita on April 16, 2019

Road trips are great! We love them, but they can be dangerous, especially to young drivers taking on unknown roads with potentially faster speed limits and other pitfalls. As a leading provider of car insurance in Northeast Philadelphia, we decided to create a safe guide for any of our clients or potential clients to check before they plan their next road trip.

Check Your Car Battery

Double-check your car’s battery to ensure that it has a tight connection and there are no signs of visible corrosion. If you spot corrosion, disconnect the battery and clean the connectors with a wire brush. If you’re not savvy with how to remove and clean a car battery, check with an expert. It’s recommended that drivers have their car batteries professionally evaluated annually after it’s two years old.

Check Your Car’s Belts and Hoses

The belts and hoses in your car’s engine are critical when it comes to maintaining the functionality of your car’s cooling and power steering systems. It’s important to have them inspected to see if they are cracked or damaged. Belts need to be tightly installed, so make sure you have them verified and checked that they do not contain much slack. Also, ask a professional to check for any leaks.

Check to Make Sure Lights and Electrical Equipment Are Working

It’s crucial that all interior and exterior lights are in full working order on your car. Replace any bulbs that have run out of life. Also, check to ensure your windshield wipers are functioning properly. Check the air conditioning system and if you have any doubt, have the car serviced by a mechanic. The last thing you want is to have the vehicle overhear halfway through a road trip!

Double-Check the Brakes

If your car’s brakes are making a squeaking sound, then your brake pads are worn out. This could impact your stopping time and distance, leading to a potentially fatal accident. If the brakes are making any odd noises, or don’t feel right, they may need more fluids. When in doubt, seek some advice from a professional mechanic, it may just save your life, or someone else’s.

If you’re looking for quality and affordable car or home insurance in Philadelphia, PA, click here for more information!

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AnitaTaking A Road Trip? Make Sure to Keep These Tips in Mind Before Driving!

Why Philadelphia Car Insurance Rates Are Changing

by Anita on March 20, 2019

Car insurance pricing takes into account risks that have not only to do with the driver and the vehicle but also national and local environmental risk and regulation. Since 2011, the average national car insurance prices have increased by 23.12 percent, including rates for Philadelphia car insurance.

These increases are the result of several calculated factors.

Legislation and Regulation:

Each U.S. state has its own governing body that regulates insurance prices. These set the required minimum level of coverage that residents must carry, determine if and when insurance companies can change rates, and consider insurance legislation regarding fraud and more.

Philadelphia sits at just over $1,000 above the U.S. national average for annual car insurance prices, making your choice of car insurance provider crucial in terms of securing the best rates, with the most complete coverage for you and your vehicle.

Population and Crime:

More populated cities with higher instances of traffic congestion, crime, and uninsured drivers often have higher insurance premiums. Philadelphia has experienced 12 years of straight growth recently, after a decade of population decline. With this growth comes increased pricing on car insurance rates, as the risk of accident, crime, and uninsured drivers increases with the rise in population. A staggering 12 percent of American drive without insurance.

Weather:

Natural disasters and various other events lead to huge increases in costly claims for a given area. This causes insurance companies to raise rates in order to account for their losses.

Last year, Hurricanes Florence and Michael generated massive insured losses across parts of the USA, substantially impacting rates.

The Greater Philadelphia area’s position near the Atlantic Ocean has made it vulnerable to hurricanes and tropical storms, and to flooding from storm surges along the Delaware River.

Economy and Behavior:

Americans are increasingly reckless behind the wheel, with cell phones, alcohol, drugs, other passengers, and even the cars themselves distracting our drivers.

Unfortunately, back in 2017, Philly was ranked 191 out of 200, in the Allstate nations best drivers report.

There are also more people driving in the USA than ever before, with mileage across U.S. roads steadily increasing since 2011. As of earlier this year, gas prices remain among the lowest they’ve been in the past decade, encouraging Americans to drive more. However, more drivers on the road lead to more accidents, claims, and increased rates to compensate for the risks and losses.

Freedom Insurance Group, Inc. works hard to keep rates for auto insurance in Yardley and across Philadelphia as affordable as possible. For the best competitive rates in your area, bespoke quotes, and amazing coverage as a promise, get a free quote here today.

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AnitaWhy Philadelphia Car Insurance Rates Are Changing

What You Should Know About Renters Insurance

by Anita on March 1, 2019
Call Freedom Insurance Group today to discuss Renters Insurance!

Renting a living space is an attractive option for many reasons. Chief among them: You don’t have to be responsible for upkeep, repairs, or replacing expensive appliances like furnaces or refrigerators.

But choosing to rent your home doesn’t absolve you from all responsibility. If you think you don’t need renters insurance because your landlord is there to take care of everything, you’re wrong. You’ve worked really hard and spent a long time amassing many thousands of dollars in personal property, and it would be foolish not to protect that.

At Freedom Insurance Group, we love helping customers protect themselves by hooking them up with affordable homeowners, life, and car insurance in the Philadelphia area. We want to do the same for renters.

Here’s what you need to know when shopping for a renters insurance policy.

  • Renters insurance protects your personal property – your furniture, your clothes, your electronics, etc. – from damage resulting from a fire in your rented home, or theft due to a break-in. Valuables such as heirloom jewelry or expensive pieces of art are often insured separately. It’s also common for flood insurance or earthquake insurance to be part of a separate policy.
  • Some renters insurance policies will protect the property you keep in your car, but will not cover damages to the car itself.
  • Renters insurance also can guard against liability, meaning that if someone gets injured in your apartment and tries to sue you, you’re covered.
  • When moving into a rental property, take inventory of your property – snap pictures, round up any important receipts – so you know what you own and how much it’s worth.
  • As with any insurance policy, it’s important to review your options with your insurance agent to make sure you’re getting a comprehensive policy that meets all your needs.

Spring is the start of moving season and a great time to think about rental insurance, especially if you’re a recent college graduate who is moving out of Mom and Dad’s house or relocating for work and shopping for apartments. Many rental properties require proof of renters insurance before you can sign a lease.

The agents at Freedom Insurance Group will be happy to sit down with you to search for the right renters insurance policies for your family. If you’re buying a home and need homeowners insurance, or there’s a new driver in your house and you need to beef up your car insurance anywhere in the Philadelphia, PA, area, give us a call today.

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AnitaWhat You Should Know About Renters Insurance

Why is Homeowners Insurance Important?

by Anita on January 25, 2019

When you dream of living on your own terms, you typically have a vision for your dream home. Owning a home comes with some difficulty, but it’s also a smart investment to make, especially if you plan on living in an area for five or more years. With the hefty amount of money and energy we pour into our homes, having your valuables destroyed due to an unexpected or disastrous incident could be life-changing.

At Freedom Insurance Group, Inc., our agents specialize in all types of insurance coverage for PA residents, including home insurance in Philadelphia, PA, automobile insurance, and life insurance. In this post, we want to explain the significance of personalized homeowners policies and why you should have one.

Homeowners Insurance Policy: A Necessity

In many cases, lenders will require protection on you before you can obtain a mortgage on a home. Typically, this protection will be a homeowners insurance policy personalized to the home and neighborhood you are looking to live in. Even in cases when an insurance policy is not directly required, it still is beneficial to guard against any accidents or setbacks.

Repairing Damage Following a Natural Disaster

If you’ve lived in the Northeast for some time now, you know just how unpredictable the weather can be. By possessing home insurance in Bensalem, PA, you’ll have the protection and means necessary to repair any damage that could be caused by Mother Nature.

Repairing or Replacing Your Valuable Possessions

Your home is more than just a place for you to sleep at night. It’s also where you store your most valuable belongings and possessions. When you have a personalized homeowners insurance policy, you won’t have to take on the financial burden of replacing lost furniture, electronics, and keepsakes.

Protecting Against Accidents or Personal Liabilities

Homeowners insurance can help protect you against accidents or personal liabilities if an accident were to take place inside your home. In the event that you have guests over and someone gets injured, our personalized policies will have you covered.

To learn more about our affordable and personalized homeowners insurance policies, contact us today for a quote!

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AnitaWhy is Homeowners Insurance Important?

5 Tips On How To Better Share The Road With Cyclists

by Anita on June 19, 2018

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.

 

 

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Anita5 Tips On How To Better Share The Road With Cyclists

3 Renters Insurance Myths Debunked

by Anita on May 24, 2018

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.

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Anita3 Renters Insurance Myths Debunked

3 Benefits of Adding Roadside Assistance to Your Auto Policy

by Anita on April 26, 2018

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.

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Anita3 Benefits of Adding Roadside Assistance to Your Auto Policy

What Happens If You Drive Without Auto Insurance in States like Pennsylvania

by Anita on March 26, 2018

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!

 

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AnitaWhat Happens If You Drive Without Auto Insurance in States like Pennsylvania

Understanding the Value of Personalized Homeowners Insurance

by Anita on February 21, 2018

Owning a home today is far more than a convenience or a luxury. Because of the amount of money and energy that we pour into our homes, no one can afford to see that all destroyed in the wake of the unexpected or disastrous.

Here at Freedom Insurance, we specialize in all forms of insurance for residents in Philadelphia, PA—from auto insurance to homeowners and life insurance. Today, we want to discuss the value behind a personalized homeowners insurance policy and why every homeowner should indeed have one.

The Necessity of a Homeowners Insurance Policy

In actuality, before you can obtain a mortgage on a home, many lenders will require a protection on you, and their investment. In many cases, this protection will take the form of a homeowners insurance policy—personalized to the neighborhood and the home in question. In cases where an insurance policy is not explicitly required, it’s still prudent to guard against any misfortunes or surprises.

Repairing Your Home After a Natural Disaster

As has been evident these last few years, the weather in the Northeast can be unpredictable. Possessing a homeowners insurance policy, you’ll have the means of repairing any water or structural damage that may occur in the wake of a sporadic hurricane or severe snow storm.

Repairing or Replacing Your Personal Possessions

In a sense, your home is more than a shelter for you—it’s where you likely store your valuables and most treasured possessions. With a homeowners insurance policy, you don’t have to suffer the financial stress of losing your furniture or your electronics to a fire. Most policies will protect against the destruction of your property, giving you the coverage and the compensation to repair or replace your belongings.

Guarding Against Accidents or Personal Liabilities

Although we may not think about it, accidents do happen in our homes when we least expect it. In the event that a visitor injures themselves while inside your home, your insurance policy can guard you against the costs of a lawsuit.

Obtaining a Personalized Insurance Policy

In summing up the benefits and the value of a homeowners insurance policy, we invite readers to ask us any questions they may have. After discussing your case, we can generate quotes for home or car insurance near Philadelphia, PA that exceed our competitors’ in their coverage, as well as their pricing.

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AnitaUnderstanding the Value of Personalized Homeowners Insurance