September 2011 - Bradford PA Insurance - Williams Insurance Agency

Coverage Options for Pennsylvania Car Insurance

September 27, 2011 in Pennsylvania Car Insurance

There are many coverage options available for Pennsylvania car insurance. The coverage options you choose will likely be determined by your budget and your personal needs. For example, if you owe money on your car you will likely have to get comprehensive coverage according to your lease or lien agreement. If you use your car for business you will want to have comprehensive coverage as well. However, if you are on a tight budget, you will want to get the most amount of coverage possible at the lowest possible cost. Using an agent who can shop with many companies will be a big advantage over one who only works with one company.


If you are looking for cheap Pennsylvania car insurance you will want to get the minimum coverage required by law. This includes several types of coverage. You will need to be covered for bodily injury of $15,000 per person or $30,000 per accident. You will also need to be covered for up to $5,000 of property damage per accident. In addition, you must have $5,000 worth of coverage for personal injury. If you do not have this minimum amount of coverage you are not legal to drive your car, so this is the lowest cheap Pennsylvania car insurance you can get. Carrying low liability limits when you have substantial “net worth” or assets is a very dangerous choice. We always advise clients to look very carefully at what they have to lose versus what they can possibly save by cutting back on important coverage.


If you are looking for more coverage you can go with a comprehensive plan. There are many options for comprehensive Pennsylvania car insurance. How much coverage you get is based on your budget and your concerns. You can get an insane amount of coverage per accident if you really want to pay for it, or you can go with the minimum amounts. There are also options for what types of coverage you carry. Drivers with good credit and good records can usually get much higher limits at drastically discounted rates because of their preferred status.


For example, you can get coverage for when the person causing the accident does not have insurance. You can also get coverage for when you have an accident that does not involve another vehicle. There is coverage available for natural occurrences that damage your car such as hail or a tree falling on your car while it is parked in the driveway. You can even get Pennsylvania car insurance that covers you when you are sitting completely still and something happens to your car.


There are also additional features you can choose to have with your comprehensive Pennsylvania car insurance. You can get a policy that will cover you in case of theft. This type of coverage is cheaper if you have an anti-theft device installed on your vehicle. You can also get roadside assistance and towing coverage for when your car breaks down while you are on the road.


Of course, if you are looking for cheap Pennsylvania car insurance you will likely not want to get all of these types of coverage and features. However, if you want to be covered for all eventualities you can do so easily. However, not all companies offer all types of coverage, so be certain you decide what you want in your policy before you start shopping around. Once you know what you want, getting the right Pennsylvania car insurance for your needs and budget is easy to accomplish.

Protect Your Home With A Pennsylvania Homeowners Insurance Quote

September 20, 2011 in Pennsylvania Homeowners Insurance quote

Acquiring a Pennsylvania homeowners insurance quote during the process of buying a home is an important step.  Homeowners insurance is required by many lenders in order to close on a home and it also gives people peace of mind.  Keep in mind these tips when shopping for your policy to ensure your home is well protected and you are not left with huge bills to pay out of pocket.  There are at least three different homeowners policy types ranging from adequate coverage to an “all risk” form that is the cadillac of policies. A trusted, independant agent would be a great source of information to help you decide which is best for you. Keep in mind that “captive agents” or agents who only represent one insurance company are not nearly as able to offer you as many choices.


Flood insurance is generally separate


Policies applied to homes cover a variety of damages that may occur.  Events such as fire, fallen trees, burglaries and other traumatic or catastrophic occurrences are all generally covered by a homeowners policy.  Floods have historically not been covered because of the unique circumstances under which they occur and the extensive damage that they can cause.  A flood can create thousands or even hundreds of thousands of dollars in damage.  When you go to sign up for a policy, make sure you talk about flood insurance coverage with your agent.  Even if you decide not to add it, the information is good to have just in case.  Flood insurance rates are governed and regulated by the NFIP (national flood insurance program) and are all the same no matter which company provides your flood coverage. A good bet would be to use a respected agent who has a reputation for looking out for their clients.


Do not forego insurance to save money


Some individuals who own their homes outright may forego buying insurance because it is not required and to save money.  This is the largest mistake a person could make.  A home is one of the single largest investments a person will make in their lifetime.  Just because a home is stationary does not mean damage cannot occur in one form or another.  Any number of events can take place such as a storm, down power lines that cause fire, faulty wiring, gas leaks that cause explosions, or the driver of a car that runs into your home.  The idea is that you never know when damage will occur to a home and having a policy in place to repair damages will save you from paying huge sums out of your own pocket.  At the very least, a homeowners policy with a very high deductible will save you a great deal of money and still provide valuable coverage in teh event of a disastrous loss. Many times a 2500 or 5000 deductible will reduce premiums by as much as 50% or more. 


Escrow your payments


When an individual buys a home, they have the option to escrow or set aside payments for certain expenses related to the home.  Payments for property taxes and homeowners insurance are two common expenses that a mortgage company will set up an escrow account for.  It is very wise to do this so that insurance does not lapse on a property.  For financed properties, a homeowner will not end up uninsured but may end up having a policy forced onto the home, which could mean significantly more expense than the policy they originally shopped for. 



A Pennsylvania homeowners insurance quote from a reputable insurance agent can show you your options for coverage as well as give you an opportunity to seek out other information.  Asking about additional coverage such as for flood damage is an example of ancillary coverage that will benefit you.  Keeping a policy going even though it is not required by a lender and escrowing payments if your home is financed are also very wise decisions.  Insuring your home against loss and/or damage is one of the most important things you can do for your future.

Little Known Tricks To Cheaper Pennsylvania Car Insurance

September 13, 2011 in Pennsylvania Car Insurance

Because drivers are forced to buy insurance for 40, 50 or 60 years, learning to find cheaper Pennsylvania car insurance saves thousands of dollars over time. Not only is automobile insurance required by the state, it is a wise investment in the financial future of any driver and automobile owner as it protects people from costly accidents and lawsuits. These techniques are known as the 3 S’s and are safe drivers, safe automobile and shopping.


Although safe drivers are technically known as drivers without an insurance claim, automobile accident or traffic ticket for three years or longer, smart people include defensive driving courses and good student discounts in this category. Good driving habits and avoiding accidents come from experience, which young drivers do not have. However, inexperienced drivers can take safe driving courses or defensive driving classes to supplement skill. This education alerts students to changing road conditions, like rain, snow and sleet as well as surface changes from pavement to gravel or dirt. Classes also teach safe following distances and when these need to be increased. According to the detailed records kept by insurance providers, high school and college students carrying a B or better average have fewer accidents qualifying them for reduced premiums. Obviously, you don’t become a safe driver overnight and get lower insurance rates the next day…time will be a big factor.  Some of the new rating platforms also take atrending factor into consideration. This means that even if you had an at-fault accident last year, if your previous ten years were good you may not be charged for the accident.


A standing joke in the insurance industry is if James Bond would drive a car, the owner will not want to insure it. Expensive vehicles and vehicles with high horsepower motors cost more to insure. Repair expenses are higher and faster driven cars do more damage. Although everyone wants to drive the flashy sports car capable of going from 0 to 60 in just a few seconds, a four or six cylinder four-door sedan has cheaper premiums. Likewise, a vehicle with safety features designed to protect the passengers and make handling easier is rewarded with lower cost insurance. Insurance companies like vehicles with extra airbags, crumple zones keeping the passenger compartment intact during collisions, antilock brakes and tire pressure monitors which alert drivers to underinflated tires. Before buying a new or newer vehicle, smart drivers consult insurance agents for a list of safer cars and trucks. Collsion experience is a big factor used by insurers as well. Data compiled by industry sources determine which cars are involved in an “above average” number of accidents and these cars are charged a higher rate on comprehensive and collision coverages.


Shopping for car insurance saves money and is a quick and easy process. Insurance companies compete to get business and advertised everywhere for new customers. The Yellow Pages of the local telephone directory, TV and radio, classified ads in local newspapers and free white, green and yellow sheets and the Internet have hundreds of insurance companies willing to give anyone quotes. In just 10 minutes or half an hour, shoppers can compare several different policies and find the best deal. This is truly dialing for dollars whether the person makes a telephone call, walks into an office or applies online.


As long as a person operates one of these freedom machines, he or she needs insurance. Three tricks to better insurance rates are careful, educated drivers, vehicles designed to protect people and comparing premiums. Finding great Pennsylvania car insurance rates is easy with these 3 S’s known as safe drivers, safe cars and shopping.

Can You Really “Lock In” Your Rates?

September 6, 2011 in Pennsylvania Car Insurance

If you’ve been buying pennsylvania car insurance for any length of time you’re no stranger to the common…almost annual rate increase. One of the most common questions we’re asked as insurance agents is how did the insurance go up even though my cars are now a year older. The drivers who haven’t had an accident or violation in many years have a legitimate concern when they feel that they are being penalized for other drivers misfortune. Up until recently the only option we agents had was to shop for better prices with other insurance companies. The downside to switching insurance companies was giving up accident forgiveness, longevity percs and possibly coverages that are no longer offered. To switch companies for a savings and then be penalized if you have an accident is not a good option but more of a gamble that may not be worth the risk to many consumers.


There is now an option that makes the rate increase a thing of the past. This new option called “RateLock” is being offered by Erie Insurance exclusively through their independant agents. This product is so revolutionary that Erie has applied for a patent on the concept. The RateLock option will allow clients to lock in their rate and possibly never see another increase on their car insurance. Imagine the relief of knowing that there will be no surprises when the insurance bill is opened.


Are there some strings attached ? Some fine print? It’s a simple straight forward product from a well respected company so the restrictions are out in the open for everyone to see. Here are the three things that can unlock your rate…temporarily…until you lock it back in after the changes are made.
1.Change a vehicle
2.Change a driver
3.change your address

These aren’t hard to understand but probably deserve a little explanation. If you trade your 2010 Mercedes for a 2011 Ford Fusion you deserve to pay a lower, more appropriate rate for the lower valued car. The same would occur if you traded up to a higher value car.

The change of driver is also fairly simple. If you “locked in” when you had young drivers and now they’ve left home, you’ll want to take them off your policy. Removing a young driver rate is something all parents look forward to. Same thing when adding a new driver. Fortunately for those who add young drivers to their ratelocked policy…the rates are not based on a 16 year olds age as they were in the past. The ratelocked rates are averaged out so parents won’t be shocked by a 16 year old driver rate, but a more averaged rate that is more affordable.


Moving from Bradford, Pa to Philadelphia is a move that will cause your insurance rate to quadruple. Why?, because the cost of doing business and the losses in a city like Philly are astronomically higher than smaller towns in Pennsylvania. The same is true for those who move from the city to rural Pennsylvania. The rates will unlock for your new address and then you have the option to re-lock them again.

This new protection option is available in a number of the states that Erie Insurance operates in. This article pertains to Pennsylvania car insurance so I haven’t gone into any detail about other states. Visiting the Erie Insurance website will help you determine if this program is available in your home state.


I welcome you to visit our site or call my agency for further details on how you can “lock-in” your pennsylvania car insurance rates and avoid another costly rate increase.


The Importance Of Cheap Pennsylvania Home Insurance

September 5, 2011 in Pennsylvania Homeowners insurance

Being able to buy cheap Pennsylvania home insurance seemed to be impossible in the past.  If you look closer, you will notice that one of the biggest expenses a homeowner makes is for home insurance premium payments. Well, not anymore. Given the state of the economy after the recent subprime mortgage crisis, people have been incentivized to buy real property in order to liquidate the assets of different financial institutions. Because of this, different industries that are peripheral to the buying of homes such as insurance companies are tendering competitive and affordable packages in order for homeowners to buy insurance from them. Yes, this is the best time for you to buy an insurance policy for your home.


Alternatively, it is also realistic to assume that because of the slowdown of the economy, you have probably been wondering whether purchasing home insurance is a necessity. You probably thought about if it would be strategic to spend the insurance money on other things, as there is always a chance that your house would not be affected by anything anyway. Frankly speaking, that is a very dangerous way to think about things. In taking care of properties, it is better to assume the worst and be ready for the worse, than hope that the best will never end.


Further, insurance policies are not just to protect your properties, but to absolve you of liabilities just in case someone has an accident and gets hurts in your house. It is also important to avail of a policy, especially if you want to have your property appraised, or if you want to use it as a collateral or mortgage for future financial decisions. Having an insurance policy not just protects the structure, but all the movable assets inside it. This is especially true if you want to protect your furniture against natural and artificial reasons of destruction. For example, if after a vacation you find yourself having a house fully robbed of your furniture, there are provisions that will require insurance companies to pay you for the value of the items lost.


Therefore, if you are planning to get an insurance policy now, the basic step that you should do is to look for insurance policy quotes, which are essential if you want to know the usual rate of policies within the state, the common exclusions, and conditions, which can lead to a smooth transactions. Getting insurance quotes will most likely lead to free and full professional consultation regarding your situation, as well as the most strategic financial decision, which you can take. Meeting with professionals will make you more acquainted with different state regulatory measures and perhaps the repercussions of any decision that you will make. If you are new to this, the best place for you to get information is to use the internet, as most insurance companies already advertise online. You can also use this medium to assess the practices and delivery of promises of companies if you decide to purchase cheap Pennsylvania home insurance finally.