May 2010 - Page 2 of 4 - Bradford PA Insurance - Williams Insurance Agency

Using a Nationwide Company to Find Cheaper PA Car Insurance

May 9, 2010 in pa auto insurance quotes, Pa Car Insurance, pennsylvania auto insurance, pennsylvania auto insurance companies, pennsylvania auto insurance policy

One of the best ways for you to be able to save money on your monthly bills is to take a look at the various Pennsylvania auto insurance companies that are available, as well as the prices that they tend to charge. Many of us are under the understanding that all Pennsylvania auto insurance companies are going to charge a standard rate that is determined by the state. In reality, each individual insurance company is going to have their own sliding scale that will govern how much they are going to charge. That is why you may see variances in the amount of money that you will be paying on these policies that can add up to 20% or more.


One of the things for you to keep in mind whenever looking for Pennsylvania auto insurance is that it is not always the local companies that can save you the most money, at times it is the larger, nationwide companies that you should consider. Of course, you should always make sure that you are getting the best price, regardless of whether you’re going with Joe’s insurance down the street or if you are going with the larger company, such as State Farm or Geico. Researching these companies in advance and looking at the quote side-by-side is one of the best ways for you to make a determination that will benefit you and your family.


The easiest way for you to be able to look at these various PA auto insurance quotes is to run a multi-quote search on the Internet. All that is necessary for you to do is to include the information that they ask for in the form, including your personal information and some information about the automobiles that need to be covered. Make sure that you fill out this form as accurately as possible, as it is going to make a difference on the quotes that you receive and all of it is going to be verified before you are able to sign on the dotted line.


Once the form is filled out, it is simply a matter of clicking a button and within seconds, you will have the information available in front of you. Take a close look at some of the top insurance companies that are listed, as most of them will be nationwide insurance companies. You can often get a policy through one of these companies over the Internet and it is not going to be necessary for them to have a presence in your local community.


Of course, you should make sure that you do a little bit of research on these companies in advance. This is true, regardless of whether it is a local Pennsylvania auto insurance company or if it is a nationwide company. Make sure that they are reasonable in the way that they treat their customers, and that you will not have difficulties, should the need to use the insurance arise. It is not always the bottom line that makes the most difference in your Pennsylvania auto insurance policy, it is the overall benefits that the company is going to give to your family.

What is the Minimum Requirements for Pennsylvania Car Insurance?

May 8, 2010 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, minimum requirements for pennsylvania car insurance, pa auto insurance, pennsylvania auto insurance, pennsylvania auto insurance policy, property damage insurance

There are a number of different things that need to be kept in mind whenever you’re buying Pennsylvania auto insurance. Not only is it necessary for you to have this insurance in order to legally drive the automobile, or to have it registered, there may be variances in the type and amount of insurance that you need. Here’s a little bit of information about the minimum amount of coverage that is necessary on your Pennsylvania auto insurance policy, as well as some things that you can do in order to lower your costs significantly.

If you have an automobile that is registered in the state of Pennsylvania, it is necessary for you to have insurance on it. If you happen to lose or drop your insurance, you must surrender the registration to the state of Pennsylvania immediately. Failure to do so can result in a fine and an inability to be able to register the vehicle again for several months. If you choose to drive your automobile without insurance, you risk further fines and the possible loss of your driving privileges. That is why it is important for you to make sure that you always carry the minimum amount of Pennsylvania auto insurance that is necessary.

If you own the automobile outright, you are still going to need to carry certain types of insurance in case of an accident. This would include $15,000 of coverage for the death or injury of a single person in a single accident. You would also need $30,000 of coverage for the death or injury of more than one person in a single accident. $5000 of property damage insurance must also be carried at all times under your Pennsylvania auto insurance policy.

If you owe money on the automobile to a bank or other lending institution, they may have some minimum requirements that exceed those that are necessary through the state of Pennsylvania. They do this in order to make sure that if you should happen to damage or total the vehicle that their interest in the vehicle will be covered under your insurance policy. The minimum amount of insurance that is necessary is going to vary according to the lending institution, and they will generally outline this to your insurance company. If you are able to pay off the vehicle, make sure that you contact your PA insurance company and drop it to a lower minimum in order to save money on your monthly bill.

One of the nice things about having PA auto insurance is the fact that you are not locked in to a single insurance company. You can use the Internet in order to search for multiple quotes on PA insurance and compare the companies against each other directly. This is the best way for you to find the least expensive price that you will be paying, and to save money on this monthly bill. As long as they carry the minimum amount of coverage for you, you’ll be covered under Pennsylvania law.

Should You Shop Pennsylvania Car Insurance Plans?

May 7, 2010 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, pa auto insurance, pennsylvania auto insurance, pennsylvania car insurance plans

There are certain monthly bills that we are going to have to pay, regardless of whether we want to have to pay them or not. Not only does this help to keep a roof over our head, paying for car insurance allows us to drive legally. The unfortunate thing is, insurance tends to be one of the larger bills that we have to pay and when you’re talking about Pennsylvania auto insurance, it does tend to run a little bit higher than the national average.

One of the reasons why it is expensive is because there are some minimum amounts of insurance that need to be on every vehicle that has a current registration. These would include such things as coverage for the death or injury of anybody in a single accident, as well as a minimum amount of money that is required for personal property damage. In addition to that, you may have to carry more insurance because you have a loan on the automobile and it is required by the bank in order to cover their interest in the vehicle.

For these reasons, and because we are all looking for ways to be able to cut down on bills in some way or another, you might be interested in knowing that it’s possible for you to shop PA auto insurance and in many cases, to reduce the amount of insurance that your paying. There are a few things that you should keep in mind, however, whenever you do so that can help you to get the most out of this process. It will also help you to make sure that you’re making a good decision, as not everything that is less-expensive is going to be right for you.

First of all, you should consider what you have available with your current insurance company. Most Pennsylvania auto insurance companies will also give you the ability to purchase other forms of insurance through them, including term life insurance and property insurance. More than likely, they will be giving you a discount on the insurance that you currently have if you have multiple accounts with them. Check into this, as it can make a difference in how much you are paying or will be paying, should you happen to move your car insurance out of the mix.

You can also begin by getting a car insurance quote on the Internet, which is both fast and easy. You simply plug in the information that is necessary in order to get an accurate quote, and you will have a quote available within seconds. On some websites, you can even get multiple quotes from dozens of different car insurance companies and compare them, side by side.

Make sure that you look at all of these quotes and do a little bit of additional research in order to make sure that you are making the right decision. Although it is always a good idea to make sure that you are saving money on your Pennsylvania auto insurance, don’t allow that to harm you, should the need to use that insurance arise.

New Pool?

May 7, 2010 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, erie insurance

You should always talk to your agent when you buy a pool, since it will increase your liability risk and you may need additional liability insurance,” says Scott Huber of Erie Insurance. “Pools can be an expensive investment. You should have enough insurance protection to replace it in the event it is destroyed by a covered loss. Limiting access to your new pool is also very important.”  Huber suggests fences, locked gates, and retractable steps as ways to limit access. Erie Insurance also recommends that homeowners with a pool take a basic first aid course and CPR training.

Do I Need a Boat Owner’s Policy?

May 7, 2010 in boat owner's policy, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, erie insurance

Yes, chances are you really do need a boat owner’s policy. Many Policyholders believe watercraft vehicles are covered under their auto or homeowners policy. But, for most insurers, that isn’t the case. “Typically an auto policy won’t provide liability or physical damage coverage for a boat,” says Terry McConnell of Erie Insurance. “And, most homeowners policies only provide a limited amount of coverage for physical damage to boats and restrict automatic liability coverage to low-powered boats. It’s a good idea to purchase a separate boat policy to ensure that you are adequately insured.” Carefully reviewing your policy with an agent can help you save money while assuring you have adequate coverage for your needs.