March 2011 - Bradford PA Insurance - Williams Insurance Agency

How To Get The Best Pennsylvania Auto Insurance

March 31, 2011 in best pennsylvania auto insurance

Car insurance is mandatory as long as you plan on driving the roads of Pennsylvania. In order to avoid the hefty fines or potential impoundment of your car, getting car insurance once you get a car is a requirement. Car insurance doesn’t have to be a bank breaker, though. Getting the best Pennsylvania auto insurance is within your reach, as long as you know what contributes to your rate and what you can do to lower it.


Understanding what makes your rate what it is will help get you the best deal. Each insurance company on the market boasts great rates and even better customer service. The best Pennsylvania auto insurance gives you all the benefits you want with a rate that you can afford. Checking out multiple companies and getting rates will let you see what the competition is truly offering, ensuring that you make an educated decision on which company you will get your insurance policy from. No two companies will give you the same rate for the exact same coverage, so you’ll need to spend time on research.


The coverage that your insurance policy is based on encompasses several things. Part of the policy is based completely on Pennsylvania minimum coverage for bodily liability, property damage, and personal injury protection. Then there is optional additional coverage you can opt for. Rental car insurance will make sure that if you are involved in an accident in a rental vehicle, that you are still covered. One of the other more important optional features you can get is uninsured/underinsured motorist coverage. This protects you should you get involved in an accident with a driver who does not have insurance. Without it, you could potentially be responsible for all of the costs involved with an accident if the person who hits you doesn’t have insurance.  Looking at all these aspects will ensure that you get the best Pennsylvania auto insurance.


Getting the best Pennsylvania auto insurance is more than just great rates, though. You’ll need to look at the services and options that are best for you. Some insurance companies offer customer service 24/7 while others feature local branches where you can visit and talk to someone one on one with questions about policies and claims. Other features include the ability to pay bills online where even others have cash back features for safe driving. Deciding on which options are the most important to you will ensure that you get a policy that works best for you.


Analyzing the different auto insurance companies is all part of the process for selecting the best Pennsylvania auto insurance that you can afford. The price of your insurance isn’t the only aspect of making sure that you’ve selected the best policy for you. Once you’ve done all of your research, then it’s time to select based on both features and price. You’ll then have a policy that, should you be involved in a car accident, will give you the peace of mind of having coverage.

Find Great Insurance by Finding an Erie Insurance Agent

March 30, 2011 in car insurance policy, erie insurance agent

Researching insurance companies is a time consuming, and often overwhelming, process. For as long as you’re driving in Pennsylvania, you’ll need a car insurance policy. Looking at the different companies isn’t something that is easy, so finding an Erie insurance agent to help you will ensure that you get a great insurance policy. So forget about price comparisons and taking everyone’s word for it, an agent will find you great insurance.


There is much to learn about the car insurance business inside Pennsylvania. Since the commonwealth operates under the Tort System, it costs more than the national average. An Erie insurance agent will explain the requirements of insurance when working under the Tort System so that you can find the best policy for your needs. A no fault state is easier and sometimes less costly because if no one is at fault, the two insurance companies split the costs of damage based on covering their own insured person. A Tort System requires that one person in the accident is found at fault, and, as a result, that person’s insured company handles all damages – both personal injury and property. This can be very costly, and as a necessity, insurance premiums are higher.


Pennsylvania allows insurance companies to use your personal credit history when it comes time to quoting you a rate. Based on what your credit history is, they can add coverage, increase rates, or even require you to pay monthly versus quarterly. Having an Erie insurance agent act as your liaison between the insurance company and yourself will ensure that you are getting the best possible deal, regardless of what your current (or past) credit history is like.


An Erie insurance agent will also ensure that you are getting credit for everything that you can possibly get. Without an insurance agent, you would have to learn everything there is to save you money. With an agent, they have the knowledge and expertise to get you credit for all the safety features of your car and other things to get you the rate you deserve. Whether your car is 5 star safety rated or not, you can still get credits for a safe car. Airbags, anti-theft measures and other safety features will lower your insurance rate because they ensure that your car won’t get as damaged in the event of an accident.


When you’re shopping around for car insurance, whether it’s your first car or just want a better rate, you’ll do better by having an Erie insurance agent act on your behalf. They understand the business and the Pennsylvania laws, so they will make sure that you get credit for everything you do, as well as everything on your car. Further, they’ll make sure that the features you want in a company is represented without you having to do the hours and hours worth of research. Dozens of insurance companies are out there, completing for your business, so an agent will weed through them all, giving you great insurance without all of the headaches.

Erie Insurance Agents Get the Best Rates

March 29, 2011 in Erie Insurance agents

Regardless of where you live in Pennsylvania, if you drive a car, you will need car insurance. It’s a mandatory requirement of all drivers. If you cannot show proof of interest, you’re looking at having your car impounded, your license suspended, or paying heavy fines. This means that you need to get insurance. Contacting Erie insurance agents will ensure that you get a good rate.


Your insurance rate is comprised of a dozen or so different factors. It starts with the amount of coverage for bodily injury and personal damage. The state of Pennsylvania has certain minimum requirements that everyone must carry. If you choose to carry more or have different deductibles, it will all affect your rate. A deductible is the amount of money you’ll have to pay before insurance steps in and covers the rest. The higher the deductible, the less amount of money you’ll have to pay. Based upon your current driving history, you may opt for a high deductible by gambling on the fact that you don’t think you’ll be involved in an accident. Contacting Erie insurance agents will help you to make this decision much easier.


Erie insurance agents will let you know of all the different discounts they can offer you. The car you choose will be one of the most predominant factors to why you have a great rate or a not so great rate. The amount of safety features you have in your car will reduce your insurance rate. The more safety features you have, the lower your rate will be. The simple premise with this is that if you are driving a car with airbags and a variety of other features, then the chances of you being involved in an accident that causes a high dollar amount of damage is greatly reduced, thus making the need to charge you a lot for insurance significantly less.


The Commonwealth of Pennsylvania is not a no-fault state. This means that they operate under the Tort System which ensures that one of the drivers in an accident must be found to be at fault for causing the accident. The at-fault party is then responsible for all damages – for property and personal injury. Because the at-fault person is responsible, that means that their insurance company is then responsible for the damages. When one company alone is responsible for damages, it becomes necessary to charge more to the insured overall. The Tort system is why Pennsylvania has higher insurance rates than the national average; however Erie insurance agents will ensure you get the best rate.


Shopping around for insurance can be overwhelming. Every company claims they have the lowest rates and they all have different features that make them a strong competitor. By using Erie insurance agents, you can define what you’re looking for in an insurance company and allow them to shop the competition for you. They will then take all the different aspects of what you want in an insurance company, as well as your budget for premiums, and find the company (and the rate) that’s best for you.

Get a Great Deal on Pennsylvania Personal Auto Insurance

March 28, 2011 in bodily injury liability, Pennsylvania personal auto insurance, Tort

When it comes to shopping for insurance, there are some important details to know about Pennsylvania personal auto insurance. Besides the fact that the state of Pennsylvania requires this insurance from all drivers, they also require certain minimum levels of coverage. They also have rates that are typically higher than the national average, so understanding the different rates and what you can do to alter them is important.


Pennsylvania personal auto insurance doesn’t need to be expensive, but it does need to meet certain standards. Any coverage that you get must meet the state mandated minimums for bodily injury liability per injured person and per accident. You must also meet certain minimums for damage liability coverage and PIP or personal injury protection. Those are the only standards they impose, so the rest is up to you.


Many things about you and your car will contribute to the cost of your Pennsylvania personal auto insurance. The state of Pennsylvania allows for auto insurers to use your Personal Credit History when giving you insurance. This may affect the coverage they want you to carry, the rate in general, as well as whether they require you to pay your premiums monthly or quarterly. Obviously the better your credit history, the lower your rate will potentially be. The car you drive will significantly impact your rate as well. The National Highway Traffic Safety Administration rates cars every year. If you have a 5-star safety rating on your car, that means that you are driving one of the safest cars on the road and your insurance premium will reflect positively for your choice in safe cars. If, however, you are driving a car that didn’t do so well, or is missing key safety elements, then you need to be prepared to pay a higher premium.


Pennsylvania operates with a Tort system. What this means is that if you are involved in an accident, someone must be found to be the cause of the accident, thereby establishing fault. The person who is found at fault is responsible for all expenses for both car damage and injury. That person’s insurance company will then take over handling the claim. Because the Tort System is in effect, Pennsylvania personal auto insurance is often more expensive than the national average. Other states that operate with a no-fault often have lower rates. Understanding the Tort System and the different options that are applicable will ensure that you are getting the best deal possible.


Taking advantage of the different companies who offer Pennsylvania personal auto insurance can save you significant amounts of money. Comparing prices is only part of it. Sure, you want to save money, but you also don’t want to sacrifice coverage. Evaluate how safe your car is and what your driving record is like (and be honest) and then you’ll be able to decide which company will represent you the best should you be involved in an accident. Accidents can be expensive, even if you have good deductibles and a great insurance company, but not as expensive as having no insurance at all.

A Pennsylvania Car Insurance Policy is a Must

March 27, 2011 in auto insurance laws in pennsylvania, full tort, liability coverage, limited tort, Pennsylvania car insurance policy, Pennsylvania uninsured underinsured motorists coverage, personal injury protection, property damage

When it comes to driving in the commonwealth, a Pennsylvania car insurance policy is a must have. What you pay and what optional coverage you accept is up to you, but there is required liability coverage that the state requires everyone to have. In addition, they operate under a Tort System. All of these aspects are part of what makes your insurance policy complex, so getting an understanding of what you’re required to have and why will make shopping for insurance a whole lot easier.


Auto insurance laws in Pennsylvania not only require every driver to show proof of insurance, but also mandate minimum coverage requirements for bodily injury, property damage, and personal injury protection. If you are caught without insurance, the penalties are firm. You could be issued a several hundred dollar fine, have your license revoked for 3 months, or even have your car put into an impound lot. Needless to say, insurance is a must. Your Pennsylvania car insurance policy can be altered a little, though. You can get extra options such as rental car insurance or uninsured/underinsured motorist coverage.


Operating under a Tort System means that if you are involved in an accident, someone must be found at fault. While other states may operate under a no fault state, a Pennsylvania car insurance policy may be more expensive because of the Tort System. Knowing that if you are the one that caused the accident would result in paying for all of the incurred expenses, many people opt for higher coverage than what the state minimums are. What’s unique about Pennsylvania is that you can choose Full or Limited Tort which not all states offer. What this means is that you can define the compensation for injuries that are caused by the other driver’s negligence.


While a Pennsylvania car insurance policy is a must, a high price is not. Get the best rate possible by shopping around for a great deal. So many companies are out there, all advertising low rates, so it is certainly a buyer’s market. Some are even so competitive as to match (or even beat) a competitor’s rate. This allows you to get great coverage at an affordable price. Look at what the companies are offering in terms of service: do they have a local office you can visit if you have questions? Will they come to the scene of the accident? How can you reach them and at what hours? These will all help you determine what price is fair in comparison to the other companies.


Driving is a privilege and a Pennsylvania car insurance policy is mandatory. After that, it’s all up to you. The car you choose to drive, how many options you accept, and what services are most desirable are all things you’ll need to take into consideration when choosing the company that will hold your policy. At the end of the day, the state doesn’t care which company represents you as long as you have proof of insurance if you get pulled over.