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.
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.
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.
One question insurance agents frequently are asked is “How do I know if I need an umbrella policy?” We advise our customers to look at their whole financial situation and their lifestyle. Do you own a swimming pool? Own a dog? Have large assets to protect? Agents typically recommend that customers have enough home insurance coverage equal to their assets. Umbrella policies cover liability, personal injury coverage and legal expense coverage. Umbrella polices are there to protect you against large lawsuits. There are certain parameters that must be met to get an umbrella policy. First you must carry your auto and homeowners insurance with the same company. Second you must acquire the highest limits available for auto insurance and home insurance. The maximum amount of coverage you can have under an umbrella policy varies by state. This protection can extend beyond your auto and home. It can also cover your RV, boat, snow mobiles, golf carts, ATV’s, jet skis and motorcycles. There are some added protections with an umbrella policy that are generally excluded from homeowners insurance polices. These policies can run approximately $300-$400 a year for a million dollars coverage. That is relatively inexpensive for extra coverage.The best part is that everyone in the household is covered as long as they are listed on the auto policy and live in the home. Something to think about if you have teen drivers in the home.
The best thing to do is to speak to a licensed agent who can discuss your risk and assets. There are certain situations which will increase your need for an umbrella policy. Call us at 215-673-0300 so we can discuss your current auto and homeowners insurance in Philadelphia, we can evaluate if you have enough coverage and if you should also look into getting an umbrella policy. You can also visit our website at www.freedom4insurance.com click on all coverages to read about umbrella policies.
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.
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.
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.
From the moment our kids are little we teach them to say please and thank you, how to tie their shoes, and eventually how to drive. But there are some life skills that are overlooked by parents. Insurance may be one of them. When our teens get their permit we add them to our policy and most likely pay the additional premium. Although this helps them in the short term, it does not help in the long term. So many times we see twenty somethings come in to our office to get their first car insurance policy and they have no idea where to begin. They call their parents while at an agent’s desk to get the details of their previous policy. Our number one job as a parent is to teach our kids to become a responsible independent adult.
When you add your teen to your policy sit down with them and go over your current auto policy. Explain the coverages, the discounts you receive and why auto insurance is so important. They should know the basics, which are collision coverage, comprehensive coverage, liability and deductibles. You can do your best to explain to them the difference between Full Tort and limited tort. When it comes to underinsured motorist coverage and uninsured motorist coverage explain to them what these coverages protect against. Then there is towing, rental and roadside assistance. Better yet, bring your teen into your independent agents office when they are first added to the policy. This would also be a perfect time to review your insurance coverages/deductibles and will certainly provide a wonderful teaching moment for your teen. Not to mention show them the cost of auto insurance.
Don’t forget to ask your son/daughter to sign a no texting and driving contract, as well as discuss safe driving practices. It is so important to have a conversation with young drivers about registration, following state laws while driving and the consequences for not abiding by the rules and laws. As parents we should reinforce our expectations while taking the car out. All of this goes hand in hand with auto insurance. To keep your rates low, a good driving record is needed. If they are a good student, they may qualify for a discount. Be sure to ask your agent if there is a discount for Good Student on their car insurance policy.
When you have these conversations with your teen you teach them valuable life lessons that they can carry on into adulthood.