September 2009 - Bradford PA Insurance - Williams Insurance Agency

Your credit history and its impact on PA Auto Insurance Quotes

September 30, 2009 in bradford, Bradford PA, bradford pennsylvania, pa auto insurance, pa auto insurance quotes, pennsylvania auto insurance, pennsylvania auto insurance companies

You might have not thought of it but your credit history can have an impact on the PA Auto Insurance quotes that you receive. There are a lot of personal Pennsylvania auto insurance companies that go ahead and have a look at your credit history to determine the amount that you would have to pay as premium.

One of the reasons that this occurs is the belief that people with a good credit history tend to have lower insurance losses. This check allows the company to get an insight on the kind of claims they can expect and thus you will get the PA Auto Insurance quotes accordingly. Along with the credit history, the company will also take into account various factors including your age, the kind of vehicle you drive, your driving history etc in order to determine the premium amount that you would have to pay.

You might wonder if that is allowed by the law, and the answer is ‘YES’. The Pennsylvania Auto Insurance company can check your credit history before providing PA Auto Insurance quotes.

There is a good chance that you can make the most of this check procedure and get a discount if your credit history is good. In case you feel that the credit history is better than what the Pennsylvania auto insurance company would have then make it a point that you provide them with the correct name, SSN, DOB and other important details so that they can get the correct report and you can get better PA Auto Insurance quotes.

Other than the basic credit history there are several factors that a company would use to determine your credit liabilities and can have an impact on the PA Auto Insurance quotes:

  • Payment history- The payments that you have made previously with reference to your due dates will also highlight the kind of credit status you have.
  • Credit history length- The amount of time for which you have been in the credit rating system.
  • Credit inquiries- The number of times there have been inquiries on your credit history is also considered by the PA auto insurance quotes providing company.
  • Unused credit- This is the amount you are liable to pay in comparison with actual credit that is available.

Different Pennsylvania Auto Insurance companies would use different factors to estimate your credit history and this can have an impact on the PA Auto insurance quotes that you get.

Looking at all the above points it is important that you stay in good terms with your credit rating so that you can benefit while you opt for a Pennsylvania Auto Insurance

Important Things You Should Know Regarding Pa Auto Policies

September 14, 2009 in auto insurance, bradford, Bradford PA, bradford pennsylvania, pa auto policies, pennsylvania auto insurance, pennsylvania auto insurance policies, pennsylvania auto insurance quotes

Important Things You Should Know Regarding Pennsylvania Auto Insurance Policies



          For car owners, an auto insurance policy is something that you can’t do without. Accidents happen without warning, and so preparation is a must. Auto insurance will assure the fact that your finances are well protected when it comes to the weight of expenses that are concerned with repairs and other concerns with automobile accidents. Accident coverage can get expensive and bring an unneeded strain on your budget and so it is the insurance company that pays for these depending on which policy is your car under. Therefore, choosing the right insurance company that can offer the best kinds of coverage can is your best bet in protecting your car and your finances. In America, the policies differ from company to company and from state to state. This article will focus on Pennsylvania auto insurance.


          The policies that most insurance companies offer depend on the laws of the state it is established in. If in case of an accident, Pennsylvania auto insurance is required by law to give the client a liability limit of $15, 000 per injured person. Property Liability coverage, on the other hand has a minimum limit of $5000.  Pennsylvania has laws that follow a system that allows the insurance holder to define the compensation if in the event you or any of your passengers are hurt in an accident. Personal Injury Protection under Pennsylvania auto insurance policy is required by the law because this helps you pay for medical expenses of you and the passengers of your car. The state requires coverage of $5000.

          Though these laws apply to every insurance company in Pennsylvania, auto insurance quotes vary depending on the company, car or preferences of the client. Most   companies offer insurance policies in packages so that it will be easier to find what you need as a client. But these packages are not restrictive as you can always customize them and fix the limits that they want for their packages. Pennsylvania auto insurance quotes are made based on the laws and guidelines regarding auto insurance without sacrificing what the client needs.

          When getting a car, it is always best to think of getting insurance as well. This is for the welfare of you and your passengers. Furthermore, this helps you secure your finances because the accident will not bear heavy burden on your finances. It is always best to remember that insurance policies should follow the law and of course, be custom-fit to suit the needs and the concerns of the client. Quotations can differ from state to state, but the same law in insurance policies applies to every insurance company. In places in the United States like Pennsylvania, auto insurance quotes are guaranteed to provide you with the protection you and your passengers need.





Finding Great Pennsylvania Homeowners Rates

September 14, 2009 in bradford, Bradford PA, bradford pennsylvania, homeowners insurance, pennsylvania homeowners insurance rates, pennsylvania homeowners rates, Pennsylvania insurance department

Finding Great Pennsylvania Homeowner’s Insurance Rates



Homeowner’s insurance helps protect people from losses occurring to the home, not only on it’s physical structure, but also the contents, loss of use (such as additional living expenses), or loss or damage to other possessions of the owner. Homeowner’s insurance can also cover liability insurance for accidents that may happen inside the house. With the basic requirement that at least one of the named insured occupies the home, homeowner’s insurance is an important part of keeping your peace of mind. Citizens of Pennsylvania will want to find the best Pennsylvania homeowner’s insurance rates when deciding to insure their homes.


When looking through Pennsylvania homeowner’s insurance rates, a homeowner must remember some basic things. First of all, make sure that the insurers from where you are getting quotes for rates are licensed! Questions about the legitimacy of a Pennsylvanian insurance company or agent can be coursed through the Pennsylvania Insurance Department.


Pennsylvania homeowner’s insurance rates vary depending on different factors, just as in any other state. Most companies generally offer five basic types of homeowner’s policies:

·         Forms 2, 3 and 8 for homeowners (different forms cover different situations, differing in the protection in the case of thefts, natural disasters, and personal liability)

·         Form 4 for tenants or renters

·         Form 6 for condominium owners


Of course, not all companies will offer the same types of policies, so make sure you read any policy carefully! Single-dwelling homeowner’s insurance policies are a comprehensive protection package against losses or damage to the house and its contents that may be caused by fires, vandalism, thefts, and even personal liability, among others. Aside from the coverage of the structure of the house, these also usually contain coverage for living expenses, personal liability, and medical payments.


Condominium insurance policies are those that cover the contents of the condominium and other property that are not covered by the condominium association’s own insurance policy. For renters, they do not need insurance for damage to the building itself, but they may want to insure their own personal property against theft and liability if someone gets hurt on their part of the premises they rent.


In looking for the best Pennsylvania homeowner’s insurance rates for you, a little diligent comparison is important in making sure you get the best rates. The multitude of factors to consider can affect Pennsylvania homeowner’s insurance rates, and it makes no sense to pay for premiums that cover something you don’t need protection from, say, falling objects in a relatively clear area with only low buildings. Or, your homeowner’s insurance rate may differ according to the age of your home.


Keep in mind that when shopping around for Pennsylvania homeowner’s

Getting Pennsylvania Auto Quotes

September 7, 2009 in bodily injury liability, bradford, Bradford PA, bradford pennsylvania, pennsylvania auto insurance quotes, pennsylvania auto quotes, Pennsylvania motor vehicle financial responsibility law, personal injury protection

Getting Pennsylvania Auto Insurance Quotes



No matter how defensive-minded and careful a driver is, they are not immune to automobile accidents that may be caused by external forces and the carelessness of other drivers. The best way for anyone to protect against large financial losses is to get a good auto insurance policy. A smart driver should get Pennsylvania auto insurance quotes before securing a policy. This allows you to negotiate the premiums and terms that are best for you. Factors that are considered when getting Pennsylvania auto insurance quotes include the type of car, age of the driver, accident record, and the rate of accidents in the consumer’s zip code or area.


All owners of vehicles in Pennsylvania are required to purchase and maintain auto insurance, as mandated by the Pennsylvania Motor Vehicle Financial Responsibility Law. You should get Pennsylvania auto insurance quotes that are targeted to your city to get the best premiums. Some basic stuff to keep in mind when looking to get Pennsylvania auto insurance quotes are detailed below.


·         Medical benefits, aka Personal Injury Protection or PIP coverage is mandatory, meaning it is always included when you buy auto insurance, and is the basic type that will cover your medical bills when you get in an accident. The minimum coverage required by law is $5,000. Usually, this $5,000 minimum is sufficient even if without separate health insurance.

·         Liability coverage is mandatory in Pennsylvania too. This type of coverage protects the consumer from claims made against them, if they’ve caused the accident and injured others.

o   For bodily injury liability, Pennsylvania law requires a minimum of $15,000 for injuries to one person, and $30,000 for the total available for one incident (typically written as “15/30”). For property liability, there is a minimum of $5,000 coverage. Some companies may also offer a single limit $35,000, which covers both the minimum requirements for bodily injury and property liabilities.

o   Remember, if a driver causes an accident, an insurance carrier can raise premium rates or attach other surcharges. This is something to keep in mind when getting Pennsylvania auto insurance quotes.

·         Consumers can also choose to have full or limited tort coverage. The latter allows savings on premiums, but prevents the recovery of certain damages (such as payments for pain and suffering) unless the injuries sustained meet the requirements of exceptions to limited tort. Full tort coverage, on the other hand, has higher premiums, and allows you to retain all rights to sue against negligent parties.

·         Optional coverages are also available, such as collision coverage (for damage done to your vehicle), comprehensive coverage (protection for when your vehicle is stolen or damaged in other ways other than an auto accident), uninsured motorist coverage, and under-insured motorist coverage, among others.


          There are a lot of options when looking to get Pennsylvania auto insurance quotes. The proper research can go a long way into securing the best premiums and the best insurance policy for peace of mind while driving in Pennsylvania.

Getting the Best Life Insurance Rate

September 1, 2009 in bradford, Bradford PA, bradford pennsylvania, life insurance rate, pennsylvania life insurance, pennsylvania life insurance rates

Getting the Best Pennsylvania Life Insurance Rates



          Life insurance is one of the most common kinds of insurance, because it covers an inevitable part of human life – the end of it. Life insurance is basically a protection from adverse financial consequences that can spring up due to the demise of the insured. As in any other state, Pennsylvanians will want to get the best Pennsylvania life insurance rates they can get.


          When deciding to get life insurance and shopping around for the best Pennsylvania life insurance rates, one must do careful examining and comparison of available policies.


          First off, in determining what Pennsylvania life insurance rates you should target are decisions on how much life insurance you actually need! Take into consideration the financial resources that your dependents would have if you were to die now, and how much they need to maintain their current standard of living.


Also to consider in your calculations are your current insurance policies, including social security, veteran, or employer group’s insurance. Don’t forget to take into consideration your savings, investment, and other properties! Lastly, think about the income your dependents will need for living expenses, education costs, and other future needs, along with expenses for a final illness, funeral, mortgages, or debts. There are also different types of insurance to consider.


·         Term Life policy covers the insured for a set period (“term”) of one or more years. It pays a benefit only if the insured passes away during that term, but provide the largest immediate death protection for your premium dollars.

·         Whole Life policy protects the insured as long as they live. The most common type, called “straight life” or “ordinary life” insurance asks you to pay the same premium for as long as you live, but may be several times higher than you would initially pay for the same amount of Term insurance.

·         Endowment policies pay a sum to you if you live to a certain age. If you pass away before that, the benefit is paid to the beneficiary.

·         Universal Life is a policy where the premiums you pay are deposited into an account that earns interest, from where expense and insurance charges are deducted.

·         Variable Life is a policy where the benefits depend upon the performance of the investments underlying the policy; these can only be sold by a registered securities dealer.

·         Combinations


Once you’ve thought through these factors, you’re readier to compare the different Pennsylvania life insurance rates and decide which one is the best for you. Don’t just settle for the most affordable of Pennsylvania life insurance rates, nor should you settle for the most expensive! Different people have different needs and resources, based on their health and age as well, so each policy and their corresponding rates will be different. Getting the best Pennsylvania life insurance rates for you may take some work, but it’ll be best for you and your beneficiaries in the long run.