June 2011 - Bradford PA Insurance - Williams Insurance Agency

5 Ways To Save On Your Pennsylvania Car Insurance Without Lowering Your Coverage

June 28, 2011 in Pennsylvania Car Insurance

If you are a resident of Pennsylvania, you are legally required to carry Pennsylvania car insurance to operate your vehicle on public roadways.  Just because you are required to carry auto insurance does not mean you have to pay an arm and a leg on your premiums.  Auto insurers offer a variety of discounts to drivers who qualify.  If you are living on a limited budget and you want to lower your insurance premiums without lowering your liability coverage limits review the discounts and rating factors below and pay less without leaving yourself vulnerable to uncovered claims. 


Multiple Vehicle Discount


If you more than one private passenger vehicle you will qualify for a multiple vehicle discount if you insurance two vehicles with the same company.  Multi-vehicle discounts are applied to each vehicle on the policy.  If you live with a family member or jointly own a vehicle with an unrelated household member, you are eligible for the discount.  Combining your policies can save you as much as 30 percent a year.


Multiple Policy Discount


Insurers offer incentives to policyholders who carry two different lines of insurance with their company.  If you have an auto policy with one company and property insurance with another, consider the benefits of combining your insurance with the same carrier for savings.  You will receive a discount on your auto policy and your property policy.  Obtain a quote for another line of insurance and add up the savings to see how much you can lower your premiums short-term and long-term.


Anti-Theft Device


Auto providers in Pennsylvania rate drivers and vehicles based on how much risk they pose to the company.  If you install an anti-theft device in your vehicle, you are taking preventative measures to reduce risk.  Anti-theft discounts are applied to your Comprehensive coverage.  Most insurers offer two different discounts: active and passive.  A passive alarm will make a sound when it senses danger.  An active alarm will lock the ignition making it inoperative.


Driver Training Discounts


If you have a driver under the age of 21 on your policy, take advantage of driver’s training discounts.  When a youthful operator completes a driver education course and provides proof of completion to their insurance agent, they will qualify for a discount for up to three years in length.  Contact your agent to discuss acceptable driver training courses.


Good Student Discount


Another great discount for youthful operators is the Good Student Discount.  Encourage your student to do well in school for an attractive discount of as much as 40 percent.  Students must be enrolled in high school or college full-time.  While the grade requirements vary by company, must companies require a B average or a 3.0 GPA.


Most policyholders in Pennsylvania choose to lower their liability coverage and eliminate optional coverages off of their policy to save money.  If you want to lower your premiums without leaving yourself vulnerable, consider taking advantage of the discounts above.  When you take the time out to review your Pennsylvania car insurance you can save money and still have peace of mind.

Using The Internet To Find Cheap Pennsylvania Car Insurance

June 25, 2011 in Cheap Pennsylvania Car Insurance

The power of the internet has made it possible for a person to find cheap Pennsylvania car insurance quotes in just minutes. The days of thumbing through the phone book and making countless phone calls to find the best policy are over. The preferred method of finding a cheap policy is visiting the many websites dedicated to insurance only. Not only will you find information on car insurance, but you will also find a wide range of information regarding a homeowner’s policy, medical and renters insurance if that is your need.


If you have never searched for a policy using the internet, do not be alarmed. The process is quite simple and you will receive side-by-side quotes in a manner of minutes. First, do a simple search with one of the major search engines by simply typing in your exact need. This will lead you to a long list of sites dedicated to finding the most affordable premium available. Click on a site that you believe is reputable or you are familiar with and fill out a short form. The form should be secure and any personal information should be fully protected. From there, you will receive an unlimited amount of quotes throughout the entire country. This allows the consumer to comparison shop and pick out the most affordable insurance available. In most cases, you can complete the entire process, up to and including buying the policy using the internet.


If you are skeptical about the website you are using to obtain your quote, simply do a web search on the site itself and look for any information related to a review of the site, both positive and negative. If you are unable to find any type of review, you may want to consider looking at multiple sites until you find one that has many positive reviews. This may extend the search somewhat, but in the end could save you countless headaches and aggravation.


There are a few simple things you can do to ensure you find the most affordable policy. First, understand most companies today look at your credit score as part of your policy. If you have a median credit score of 680 or higher, as reported by one of the three major reporting agencies, you can expect to pay less for your insurance. Anything below 580 is widely considered a poor credit score and will have a negative impact on your policy. It is important to know your score before you begin your search.


Today’s society has made it easier for the consumer to find an affordable insurance plan. No matter what type of insurance you need, auto or otherwise, there is a policy that will fit your need. The tips listed here will help build a foundation in your pursuit of the perfect policy. The process is painless, and does not require one to spend hours on end making phone calls and visiting ten or more insurance agents. Cheap Pennsylvania car insurance is just a few mouse clicks away.

Buying Cheap Pennsylvania Car Insurance: Understanding Tort Policy

June 22, 2011 in Cheap Pennsylvania Car Insurance

For drivers hoping to purchase cheap Pennsylvania car insurance, several options exist. Quotes for the individual driver are based on the vehicle: both model and make, the driver’s record: how many traffic infractions he or she has, and the level of to which the driver desires to be covered. Like every state, Pennsylvania offers either comprehensive automobile insurance or liability only. Drivers in the state must also consider what deductibles they wish to pay. However, one distinct difference makes Pennsylvania different from most states.


Limited or Full tort coverage will factor into the prices that drivers in the state pay for their monthly insurance. Since this is not a states-wide policy, not everyone is familiar with how tort policy functions. Drivers in Pennsylvania need to know how tort policy (or waiving it to the minimum) impacts them in the event of an accident.


Full tort coverage is assumed in states that do not designate an option. This style of insurance allows drivers to file suit for “pain and suffering” incurred in an accident. What this means is that in case of emotional stress any driver can sue the “at fault” party for monies to pay for nonphysical injury as a result of the accident.


Limited tort coverage, where it is offered, enables drivers to waive their right to sue for “pain and suffering” as the result of any accident, at fault or otherwise. Lawyers in states with this special condition often recommend full tort policy, and it is up to the individual how he or she prefers to be covered. Many third party critics advise that drivers merely consider the cost savings versus the forfeiture of legal action before signing any contract.


Since nothing is lost by keeping full tort policy, drivers must only to be educated on what is lost and gained by signing for limited tort. The main benefit for limited coverage is premium savings. With a limited policy, most insurance companies will reduce monthly premiums by fifteen percent. Insurers are able to reduce the cost of their policies to clients in this situation because they are protected from having to pay out suits won for “pain and suffering.”


An individual’s loss of legal action for “pain and suffering” is obviously the downside to waiving full coverage. However, it is important to understand that all normal insurance claims are still applicable regardless of coverage on tort. At fault drivers’ insurers, still pay for car repairs and medical bills related to physical harm. Only the extra option to seek recovery of mental grief is lost in a limited situation.


For this reason, any driver can find low cost rates for his or her automobile insurance by waiving full coverage. In addition, drivers who own vehicles that are fully paid off and over ten years old may want to consider liability only insurance with high deductible payout. Between these three options, the lowest rates will be offered. Assuming a clean driving record and a minimal insurance policy, cheap Pennsylvania car insurance should not cost vehicle operators more than four hundred fifty dollars a year.

Pennsylvania Senior Auto Insurance Discounts

June 20, 2011 in pennsylvania senior auto insurance discounts

As we get up in age a lot of things change; this includes our auto insurance. This is why you, as a senior, can get the help you will need online. When you are looking for Pennsylvania senior auto insurance discounts, of course you will need to be qualified for the discount; you will need to be a certain age to be able to get the discount. When you turn 50 years old, you are considered a senior.  Many companies are now offering different discounts based on credit, age, defensive driving courses and other factors that are targeting seniors as the best market with teh lowest rates. The key is to find an agent who has knowledge and expertise in locating these discounts and presenting them to you in a timely manner.


Senior drivers can get Pennsylvania senior auto insurance discounts from just about any auto insurance company; some of these companies will offer you a 5% discount on your insurance policy. This can come in handy by helping you save money on your monthly premium. When a company sees that you are the age requirement they will do this for you automatically. You, as a senior, can also take a course in safety driving for seniors; this course can also help you get a great deal with the insurance companies; many of them will give you this option and when you complete the course they will normally give you 5% discount for the next two to three years.


When you are looking for the best Pennsylvania senior auto insurance discounts, searching online will be one of your best tools. If you were to get Pennsylvania senior auto insurance discounts and you complete the course you will be able to get 10% instead of a 5% and that can add up to be a lot of savings.  Compared to what rates AARP can offer, you could find other companies with much more competitive rates and fewer strings attached.


Seniors have the right to get a discount when it comes to car insurance, most of them have been driving for a lot of years without getting into any accidents or having any tickets or points take away from their license. If they have a great driving record this will help them when they are trying to get Pennsylvania senior insurance discounts because auto insurance companies love to cover people who are safe and reliable drivers.


When people get older you will notice that they drive slower than they used to and other people on the road might get upset when they are driving behind them. These impatient people could end up trying to pass the senior who is driving slowly; this can sometimes cause an accident if the other driver isn’t paying attention. The person who was in a hurry might then try to place the blame on the senior who was driving too slowly.  This is one reason why it is important to have insurance.


The insurance company will help by investigating the claim and help you win in court. Many seniors aren’t aware of the Pennsylvania senior auto insurance discounts that they can get; some may continue to pay the full coverage; but if you can get any discount you should because you deserve to have these discounts. Seniors are entitled to many different types of discounts, saving on your auto insurance is just one of the many benefits available to seniors over 50 years of age. Don’t miss out on your discounts and quit paying so much for your insurance by making sure your auto insurance company offers senior discounts or switching to one that does.

Pennsylvania Free Auto Insurance Quote

June 18, 2011 in Pennsylvania free auto insurance quotes

If you live in Pennsylvania and you are planning on buying a car you will need to get auto insurance before you drive the car off the lot. What you will need to do is start by looking for some insurance companies to try and find the best deal for your budget. You can use the internet when looking for a car insurance quote and you can get a Pennsylvania free auto insurance quote. Whether you have a used or new car, you will need some form of insurance to protect yourself and your car; it will only take a few minutes of your time when you go online to get a Pennsylvania free auto insurance quote. The reason for getting a quote is to see how much it will cost you to get insurance on your car.


When you are there you can go to a site and it will show step by step in how you can get a Pennsylvania free auto insurance quote. What you will need to do is type in your zip code first and then you will proceed by giving them your information about your car; they will ask you what kind of car it is; this will help them to decide on what you will pay. The reason for this is if it’s a SUV you will pay a little more. They will also ask you if it is a four door or two door car so they can find out exactly what model of car you have. When you get your quote they will ask you how many miles are on the car and what will the car be used for. You can go to different insurance companies that are online to get a Pennsylvania free auto insurance quote. When you are trying to find an online quote you will need to be safe in giving out your information. There are many scams that are out there and you don’t want to be a part of that scam.


When you are trying to get your Pennsylvania free auto insurance quote you should really think about what coverage you will want to have; you will at least need a $15,000 policy for bodily injury and also you will need to have and extra $30,000 when there is two or more people on the policy. This amount will help you if you will need to have any legal fees or any claims that they have made on you. Something else you need to think about is you should add another $5,000 for liability; this is for if you were to have any damage to the other persons car if you were to ever get into an accident. You will need to sit down and think about what type of insurance company that you would like to have cover you go with. This is why there are free quotes; so you can sit down and figure out which one is the better one for you. Having insurance is something that you must have because it will protect you in the long run if anything was to happen.