Basic Information on Getting Pennsylvania Car Insurance Quotes

July 28, 2011 in Pennsylvania Car Insurance, Pennsylvania car insurance quote, Pennsylvania Homeowners insurance

Pennsylvania car insurance quotes are something to get as soon as you possibly can! To be a legal driver in the state, it’s important to have a policy set forth with an insurance company, and it will keep you secure and safe while you get around on the road.

 

But to get there, you need to get a quote first.

 

The state has so many car insurance companies in addition to big brands like Allstate, Progressive, and Geico. They might focus on just the Pennsylvania market, or extend to other bigger East Coast markets. Finding one of these car insurers might be easy for you, but be sure to step back and compare as many as you can.

 

A good start could be just a car insurance comparison search online, to gather information about deductibles, premiums, policy limits, types of coverage, and all kinds of other factors that can make these insurance policies unique, each and every time. It will help you sort out the details and come to a great solution on your own. We’re hoping you’ll choose a pennsylvania insurance agent like us who represents many different companies and options versus the agents who work for only one or two companies.

 

When you are ready to get some insurance for yourself, and begin legal driving, the company may ask you some questions and decide whether to accept you as a policyholder with them. The process is called underwriting. Insurance companies are not allowed to discriminate against you by using things like race, age,  religion, ethnic group or nationality, sex, occupation, family size, or marital status. Only then will they arrive at the appropriate rate to charge you.

 

Insurers will take certain issues into consideration when deciding on your premium… where is the vehicle usually stored overnight? What type of vehicle is it, and how old is it? Does it have safety features? How many miles, on average, would it be driven in a year? What are each of the drivers’ histories?

 

Pennsylvania ranks 26 out of 50 for the cost of car insurance overall, but there are still many important things to realize about the price in addition to it being pretty close to the average. Like, the minimums that PennDOT (the Pennsylvania Department of Transportation) requires are as follow: $15,000 for death or injury for one person in an accident, $30,000 for death or injury of more than one person in an accident, and $5,000 for property damage.

 

For cars, a bad accident can always happen. You might be a great driver, but there is always a chance that you might get into trouble. Car insurance helps to protect you you against financial loss if anything happens to you or your car. The policy you and an insurance company sign is a secure agreement to keep you in good financial straits, no matter what.

 

If you pay a premium, the company will agree to pay for certain expenses that the policy defines. In Pennsylvania, “liability coverage” and “first party coverage” are both mandatory types of coverage. The types of car insurance that are not mandatory in the state are under-insured motorist coverage (UIM), uninsured motorist coverage (UM), collision coverage, and comprehensive coverage.

 

If yo do end up getting into an accident eventually, remember that Pennsylvania is a No Fault car insurance state, one of only about 12 states in the country currently.  No Fault means that, no matter who was at fault in an accident, each person’s respective car insurance company is going to pay for damages to their respective policyholder’s vehicles.

 

Besides that, the coverages of almost all Pennsylvania car insurers include bodily injury liability, medical benefits, and/or property damage liability. Some companies even offer a single combination of bodily injury liability and property damage liability coverages, which makes it very easy and simple to know all the parts of your policy.

 

In certain cases, you might be able to adjust one of these non-mandatory coverages to lower your premiums, but it does not mean you should ever go without them for very long.

 

All in all, Pennsylvania car insurance quotes are easy to get, and they will put you on the right track to get a great car insurance policy.

Is the NFL Insane ?

July 26, 2011 in Uncategorized

Before I rant…. I’ll admit that I’ve been a diehard Steelers fan since the 70’s…through good and bad I’ve been a loyal follower. There, that should have alienated 50% of you!  Bills fans, you still have my pity for those super bowl outings.

 

Well….here’s my dilemna…

 

And I’m wondering if you could help me decide on a strategy?

 

All I’ll need you to do is go into work and demand that the boss give you half of all the profit that his/her business made this past year.  If you wouldn’t mind trying that out and getting back to me with the results I’d be most grateful. This NFL deal has got me thinking that even if we’ve already agreed to accept our pay at a certain rate…and do our job….if we see the company making some extra money…well…we should get to have it !   Who cares that the boss put his/her life savings on the line to buy or build the business….that’s our money…..kinda.

 

So here’s my plan…

 

Most years I see the insurance companies making profits, and of that profit they put a portion of it into a fund they call “policyholder surplus.”  We’ll call it an emergency fund to be used in the rare case of financial catastrophe. A pretty good idea actually, and customers can feel safe in knowing their insurance company is well prepared for extreme emergencies.  But here’s the way I’m thinking this could go…   if I can negotiate a deal similar to our football heros, I should be entitled to half of that cash…irregardless of who’s money it might be.  Now doesn’t that sound absolutely ridiculous? 

 

Cheers

 

Help on Searching For Cheap Pennsylvania Car Insurance

July 25, 2011 in Uncategorized

There are so many companies for you to choose from for cheap Pennsylvania car insurance

 

The Pennsylvania Department of Transportation (PennDOT) is a great agency that wants to see you properly insured and living comfortably and easily. In fact they have made it illegal to be without proper insurance coverage when driving in their state.

 

Get a free quote. It’s quick, easy (requiring, to begin with, just a simple input of basic driver and vehicle information), and very valuable.

 

Auto insurance is mandatory in the commonwealth of Pennsylvania, so drivers absolutely must purchase and maintain it before they can legally drive in the state. A lapse in that insurance coverage may necessitate a suspension of your vehicle registration privileges for three months.

 

Also, your car’s license plate, registration sticker and driver’s license must be surrendered to PennDOT in order to serve the suspension. Restoration fees and proof of insurance must be submitted prior to having either registration or driving privileges restored to you.

 

The following penalties are possible: A minimum of $300 fine for driving uninsured, a three-month suspension of the vehicle’s registration, a three-month suspension of your driver’s license, a payment of restoration fees to cover both the vehicle and the license, and/or a period of vehicle impoundment. In addition, the vehicle can’t be driven at all, by anyone, while the registration is suspended.

 

It’s a headache, but that’s what will happen.

 

In its most basic definition, auto insurance is a contract between you and your insurance company that protects you against financial loss if an accident happens. These policies have many kinds of coverage that you can select from based on your wants and needs. You agree to pay the premium, and (in return) the company agrees to pay for certain expenses as defined in your policy.

 

When you are ready to purchase insurance, the insurance company or producer (agent) will ask you a series of questions and, based on your answers, will decide whether or not they will accept you as a policyholder. This practice is known as underwriting. By law, insurance companies may not unfairly discriminate by using underwriting standards based on things such as race, religion, nationality or ethnic group, age, sex, family size, occupation, place of residence or marital status. Based on your answers and your circumstance, the appropriate rate to charge you for your premium will be determined.

 

The first step is just to answer some questions: the insurance company (or an agent thereof) will ask you some questions and decide whether to accept you as a policyholder. This is known as underwriting. Insurance companies legally can’t discriminate against you by paying attention to qualities like race, religion, nationality, age, sex, ethnic origin, occupation, place of residence or marital status.

 

Insurers will take certain issues into consideration when deciding your premium… where is the vehicle usually stored overnight? What type of vehicle is it, and how old is it? Does it have safety features? How many miles, on average, would it be driven in a year? What are each of the drivers’ histories?

 

Certain benefits that are covered by almost all Pennsylvania auto insurers include medical benefits, bodily injury liability, property damage liability, and some companies even offer a single combination of bodily injury liability and property damage liability.

 

Pennsylvania ’s Assigned Risk Plan is a program that offers automobile insurance to those who are unable to obtain coverage. All insurance companies writing automobile insurance in the commonwealth are required to participate in the plan. Applicants are assigned to insurance companies in proportion to the amount of business each company writes in the commonwealth. You may contact the plan’s customer service office at (401) 946-2800 or, toll-free, at (800) 477-6146.

 

The Pennsylvania Insurance Department has a long history of helping citizens through the sometimes arcane process of getting insurance coverage. You absolutely need auto insurance, though, so give it a chance and ask for a free quote. You won’t be disappointed. We hope you’ll allow us to be the agent that does your comparison shopping for you, so you can sit back, relax and know that everything is being handled properly.

 

All of them certified and legitimized by the Pennsylvania Insurance Department, established in 1873 and reorganized a half-century later. The department can offer you absolute security in deciding on a policy for cheap Pennsylvania car insurance.

Helpful Facts on Pennsylvania Car Insurance

July 22, 2011 in Uncategorized

It’s crucial that you get the best Pennsylvania car insurance you can. Every vehicle registered in Pennsylvania absolutely MUST have the required minimum amounts of liability insurance coverage. These are administered by the Pennsylvania Department of Transportation, which can hand out fines and vehicle registration suspension to drivers who don’t comply.

 

There is always so much to know, to steer clear of any problems and stay on the right track.

 

Pennsylvania is ranked, out of all 50 states, #26 in terms of the overall cost of car insurance. Middle of the road, you might say… but not exactly. Pennsylvania’s rates average right below the national average: $1,420.78 in 2010, compared to $1,774.41 in California and $2,098.29 in Michigan, according to a report by Quadrant Information Services. Just to compare them like this, Pennsylvania is actually relatively low.

 

Pennsylvania has one of the lower state requirements for car insurance however you should always consider increasing your coverage. Remember that simply having car insurance is not full protection in the event of an accident. It’s simply protection based upon the terms of your coverage up to your policy limits.

 

Car insurance is a legal agreement, in the most basic definition, between you and an car insurance company to protect you against financial loss in the regrettable event that an accident occurs. And when it comes to cars, those just might happen.

 

You agree to pay the premium, and (in return) the company agrees to pay for certain expenses that the policy defines. In Pennsylvania, “liability coverage” and “first party coverage” are both mandatory types of coverage. Types of car insurance that are not mandatory are under-insured motorist coverage (UIM), uninsured motorist coverage (UM), collision coverage, and comprehensive coverage.

 

Currently, Pennsylvania requirements are that any vehicle should have at least $15,000 in coverage for injury to another person in an accident, $30,000 in coverage for injury to more than one person in an accident, and $5,000 of coverage for property damage

 

When you are ready to get some insurance for yourself, and start driving legally, the insurance company may ask you some questions and decide whether or not to accept you as a policyholder with them. The practice is known as underwriting. Insurance companies legally cannot discriminate by using things like race, age,  religion, ethnic group or nationality, sex, occupation, place of residence family size, or marital status. They will then decide the appropriate rate to charge you.

 

Insurers will take some issues into consideration when clarifying and completing your premium… where is the vehicle usually stored overnight? What type of vehicle is it, and how old is it? Does it have safety features? How many miles, on average, would it be driven in a year? What are each of the drivers’ histories?

 

Certain benefits that are covered by almost all Pennsylvania auto insurers include medical benefits, bodily injury liability, and/or property damage liability. Some companies even offer a single, easy combination of bodily injury liability and property damage liability.

 

In certain cases, you might be able to adjust one of these non-mandatory coverages to lower your premiums, but it does not mean you should go entirely without them.

 

The first step is just to answer some questions: an agent from the insurance company will ask you a few questions and then decide if they will accept you as a policyholder. This is called underwriting. Insurance companies can’t discriminate against you by judging you based on things like race, nationality or ethnicity, age, religion, sex, family size, occupation, residence, or marital status.

 

Insurers will take certain issues into consideration when deciding your premium… what is the year, model, and type of the vehicle? Does it have safety features and enough of them? Where is the vehicle kept in storage overnight? How many miles is it driven, on average, in a year? What are the histories of each of the drivers?

 

Emphasis is mostly placed on the type of car, your driving record, and the credit score you have… although where the vehicle is registered is another significant factor.

 

See? Pennsylvania car insurance is so easy!

Ways That You Can Get Cheap Pennsylvania Home Insurance?

July 19, 2011 in Pennsylvania Homeowners insurance

Cheap Pennsylvania home insurance is available all across the state!

 

More than 200 insurers are licensed to sell homeowners policies in Pennsylvania. They have each met the financial requirements, established by the Pennsylvania Insurance Department, to fully meet obligations to policyholders now and in the future.

 

Furthermore, all Pennsylvania residents are guaranteed, through the Pennsylvania “FAIR Plan,” to have available basic fire and crime insurance at comparable rates. Call the FAIR Plan toll-free at 1-800-462-4972 for information.

 

If you begin to contact any of these insurers, there are a few things you should realize about how they market their products. Most insurance companies and agents advertise, so check the newspaper, yellow pages, or Internet for availabilities.

 

Word of mouth is crucial, so feel free to ask your neighbors, relatives, or friends for recommendations on insurance companies and agents. They’ll have valuable experience and perspective when it comes to price and service. Specifically, ask them about claim service they’ve received.

 

When asking the insurers for price quotations, it is critical that you provide each of them the same information. They will usually request the following:

  • description (and a photo) of your house
  • its distance from the nearest fire department and fire hydrant
  • its square footage
  • any security devices
  • the coverages and limits you want

 

If you decide to go ahead and purchase an insurance policy, you will first receive a policy statement. This statement is an important legal contract, so make sure you understand it completely. Your rights and responsibilities, as well as those of the insurance company covering you, should always be clearly stated. 

 

Your policy will contain a deductible, such as $250, which means you must pay the first $250 of each loss (except for the personal liability coverage of your policy for which there is no deductible). You may want to consider increasing this deductible, if you can afford the loss at the time, as this selection can save you money on your homeowners insurance premium. The higher your deductible, the lower your premium.

 

Keep this policy in a safe place — and, most importantly, know the name of your insurer! If you ever have any questions about the policy, feel free to contact your insurance agent or company for clarification.

 

Insurance companies will use one of these three methods to interface with you: direct marketing, independent agents, exclusive agents.

 

Direct marketers sell insurance directly to you through mail or telephone, usually long-distance, representing a single company. You can often save money with direct marketers because companies can avoid commissions, and they can pass along these savings to you. However, you may prefer to have a local agent available to you, which is usually impossible with direct marketers.

 

Independent agents represent several insurance companies, so you are able to get quotes for more than one company. This is an advantage to consumers but a disadvantage to companies, so it’s not common.

 

Finally, exclusive agents can offer you coverage from only their own company. Exclusive agents may decide to work for a lower commission than independents because no additional incentive is required to encourage one company over another. This can affect cost significantly.

 

Unbiased information is available from a number of sources, including public libraries, consumer publications, and consumer groups. The Pennsylvania Insurance Department can answer many questions regarding home insurance coverage. Please call its toll-free hotline at 1- 877-881-6388.

 

To minimize the need to actually make use of home insurance in the first place, there are some simple and cheap things you can do:

  • Install smoke detectors, which will give you early notice of a fire (and save your life in the process).
  • Practice drills for escape. This will let your entire family, particularly your children, learn to lessen damage.
  • Keep a safe deposit box at a friend’s or relative’s home. Having this documentation at home will be very beneficial in limiting claims.
  • Consider purchasing flood insurance, which is usually not covered on a homeowner’s policy.

 

Many companies offer premium reductions if you fulfill some of these suggestions. Also, discounts might be available when other policies are purchased through the same company.

 

These details and regulations are all designed to ensure you the best insurance coverage. Cheap Pennsylvania home insurance is always possible.