August 2012 - Bradford PA Insurance - Williams Insurance Agency

Can You Insure A Car In Another State?

August 27, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, auto insurance rates, auto insurance rates bradford, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, lower insurance rates

There may be times when you want to insure your car in a state other than where it is registered or where you have your primary residence. While this can be legally done in some states, under very specific circumstances, it cannot be used as a way to circumvent the insurance rates in the state where you live. For example, if you live in one state, but want to falsely claim residence in another state in order to take advantage of their lower insurance rates, you are asking for serious trouble; however, members of the military and college students are often exempt from claiming residence if they are only in the state on a temporary basis.


For most people, you will need to register your vehicle in the state where you live. In addition to registering your vehicle with that state, you will also need to notify your insurance company if you move. If you live in Pennsylvania, your Pennsylvania car insurance rates will be based on a number of factors. In fact, PA car insurance prices take into consideration everything from your age, sex, driving record, where you park, how far you drive to work, your home address and even your credit history and type of vehicle. Your insurance company will certainly want to know where the car is kept as well as who will be the primary driver of the vehicle.


As the primary driver of a vehicle, your Pennsylvania auto insurance rates will be based on your home address and other criteria; however, other drivers and their driving records will also be used to calculate your insurance premiums. This is especially true if you have other adults in your household or if you have children who have reached the legal age to drive. If a driver is a college student who attends college in another state, the primary driver will still need to carry insurance based on their home address. However, if the vehicle is registered in the name of the student, they will generally be able to maintain registration and insurance in their home state, even while attending an out of state college. This can change if the student is employed in another state, so it is important to check with your insurance agent before taking anything for granted.


When you are looking for ways to reduce your Pennsylvania car insurance rates, it is always wise to be honest with your insurance agent. Let them know who will be operating the vehicle, where it will be located and if it will be out of the state for an extended period of time. Your agent can help you find the best way to ensure that you have the proper registration and insurance for your needs. Sometimes, the best thing you can do is transfer title of the vehicle to your adult or college aged child and let them register the vehicle in the state where they are going to college. This can also be a good way to reduce your own insurance premiums.

Who’s Car Insurance Will Cover You If You Are Driving Someone Else’s Car?

August 22, 2012 in bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance rates

If you get in an automobile wreck when driving someone else’s car, does your car insurance cover it? If not, will it be the responsibility of the driver’s insurance? The law varies by state, and Pennsylvania does have its own set of governing principles. These principles may or may not apply, though, depending on the type of insurance coverage which you possess.
The Insurance Caveat


Before discussing anything else about car insurance, it is important to note that your individual car insurance policy is going to set the standard for who will be covered. You should always take the time to consult your own policy for information, and to consult an agent. You may want to consult the same individual who gave you basic PA car insurance prices for your information, as he or she will likely have access to your policy and know the best answers to your particular coverage inquiries. Even with this said, you can make an educated guess if you know a bit about the law.

Your Coverage


If you have coverage that follows you, your insurance coverage will cover you even if you are driving the car of another. It is important to check with your agent to find out if this is the case, and you may have to pay an extra premium for this level of service. It is generally rare that one will have a type of coverage that extends beyond his or her own vehicle, and Pennsylvania car insurance rates are generally higher for those who do have such a policy.


Their Coverage


Typically speaking, insurance coverage goes with the car. If the car owner gives an individual permission to drive the vehicle, he or she should be covered under that car owner’s insurance. This can vary by policy, of course, and permission must be clearly given before coverage will kick in. The only situation in which permission need not be given is a situation in which an individual would reasonably give permission to drive the vehicle (i.e., a trip to the hospital).


No Coverage


There are situations in which the owner of the car’s coverage should be the controlling coverage, but will not actually pay anything out. This situation occurs when the owner of the vehicle was negligent in giving permission to the driver. This might include giving permission to a drunk or underage driver, or giving permission to an individual known to drive dangerously. In this situation, it is likely that no insurance policy will actually provide any sort of coverage.


If you have permission to drive the vehicle and do not operate in a reckless manner, the odds are that the owner of the vehicle is the one who has the controlling car insurance. Pennsylvania auto insurance rates can be higher for those who have coverage that works in borrowed cars, though, and this kind of coverage can be more valuable. No matter what the law states, though, it is important to check with your insurance agent to find out about your coverage.

How Do Insurance Companies Define “Sports Car”?

August 15, 2012 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance rates

It is typical for Pennsylvania car insurance rates to be higher for sports cars than for other automobiles due to the high cost of parts and services, the increased risk of driving a car with less protection and capable of reaching higher speeds, and the tendency of many sports car owners to drive faster than the posted speed limit.  Pennsylvania auto insurance rates on sports cars, however, are different from other states due to the different definitions of sports cars.  Unfortunately for sports car drivers, the only constant in PA car insurance prices for sports cars is that they will be higher than other vehicles — and, in tandem with higher car payments, are likely to put the squeeze on car owners.


Each insurer will use a different definition or procedure to classify a sports car.  This is based upon the components of each vehicle as well as the origin of manufacture.  Insurance companies determine the classification with make and model, the size of the engine, the cylinders, horsepower, and physical size and weight of the automobile.  While the rule of thumb is that sports cars have two doors, they may be classified under PA car insurance rates by their engine capabilities as well.


PA car insurance prices and premiums are always higher for sports cars, as well as high performance automobiles.  Some of the most expensive cars on the market include foreign cars like the BMW M series and the Jaguar XJ-S, as well as domestic cars like the Ford Thunderbird Sport and Dodge Charger.


When you are looking for the best Pennsylvania car insurance rates for sports vehicles, the key to keeping costs low is to compare as many quotes as possible.  Companies give online quotes based only on occupation and driving history, making it possible for a person to collect several different options.  Include information on all the auto’s features in order to determine whether any could give you a discount.  If you include anti-theft devices or window etchings on your policy, it is possible to get discounts on Pennsylvania auto insurance rates.


There are different types of insurance available to car owners in Pennsylvania, but for a sports car owner the most important policy to own will be property damage insurance.  The minimum required level of coverage in PA is five thousand dollars, but a sports car owner will need much more than that in the event that their automobile is damaged or even totaled.  The average sports car costs just over sixty thousand dollars, and if you vehicle is vintage or a collector’s item, it will be worth even more money.  While it may not be necessary to take out a property damage insurance coverage worth six figures, it is necessary to consider the risks of driving on PA roads and adjust your rates to match the possibility of the worst happening in an auto accident.  Given that parts and service for sports cars cost more than other automobiles, it necessitates even greater coverage rates for a sports car.

Will A Speeding Ticket From Another State Affect Your Car Insurance?

August 8, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, bodily injury, bodily injury insurance, bodily injury liability, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pa, car insurance rates, department of motor vehicles, property damage

Many motorists wonder about how out of state driving infractions will affect their automobile insurance rates back home. Most Pennsylvania motorists are quite concerned about keeping their Pennsylvania car insurance rates down. Therefore, they take great care to drive safely. However, interstate car travel has become so easy today that it is not unusual for drivers to receive speeding citations while travelling through another state. Some drivers have even received more serious driving infractions such as DUI while out of their home state.


How Out of State Infractions Affect Your Car Insurance Rates


When it comes to driving infractions, most states have agreements between them to inform each other of violations that occur within their state. These agreements require that out of state driving violations be made known to the Department of Motor Vehicles (DMV) in a driver’s home state. Depending on the state where you live, these infractions may become a part of your permanent driving record.


The policy for recording out of state traffic violations on a person’s permanent driving record varies from state to state. Some states require that all infractions be recorded on a driver’s record while other states only record serious infractions. Drivers with multiple traffic violations will eventually be considered high risk by both the DMV of their state and insurance companies alike. High risk drivers always pay higher insurance rates than those with good driving records.


In Pennsylvania, out of state speeding violations are not considered serious traffic infractions. Therefore, it is not mandatory that these violations be recorded on a driver’s record. In fact, your insurance company may not even be informed that these violations exist. As a result, your Pennsylvania car insurance rates would not be adversely affected by them. If your speeding infraction caused an accident, however, that would be noted on your driving record, which could affect the cost of your insurance.


Serious infractions that occur out of state such as reckless driving or DUI are recorded on your driving record and these could have an impact on your insurance rates. Whether you are buying car insurance in PA for the first time or are renewing a policy, your insurance company can review your driving record to get an idea of what kind of driver you are. A poor driving record will reflect negatively upon you when it comes to getting car insurance in PA and will undoubtedly result in higher Pennsylvania car insurance rates.

PA Car Insurance Laws


In accordance with PA car insurance laws, vehicle insurance is obligatory in Pennsylvania, as it is for all U.S. States. Different states may vary, however, in the type of insurance coverage they require. In Pennsylvania, mandatory auto insurance for a private vehicle includes Bodily Injury Liability, Medical Benefits, Property Damage and Limited/Full Tort coverage. Pennsylvania drivers can also choose extra coverage such as collision, uninsured motorist, accidental death, comprehensive, etc.


Pennsylvania car insurance rates run on the high side, depending on the insurance company you use and the coverage you choose. Your personal driving record will also affect your insurance costs. For this reason, it is important to maintain a safe driving history. Cultivating bad driving habits such as speeding, regardless of where you travel, poses great risk to you and others. It is much better to drive safely and securely everywhere you go and avoid any risk of traffic violations or possible accidents.

Can You Get Car Insurance With Just A Learners Permit?

August 1, 2012 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance for teens in pennsylvania, car insurance in bradford, car insurance in bradford pa, teen driver, young drivers

According to many checklists, young drivers need to complete five different steps before they can legally drive in Pennsylvania. If a driver is under eighteen years old in Pennsylvania, they need to get a learner’s permit, take a drivers education course, get car insurance in PA, practice driving, and finally, they can get a drivers license. Although a driver cannot drive without insurance coverage, teen drivers may find it difficult to get car insurance in PA on their own.


According to the PA car insurance laws, all drivers must carry insurance on their vehicles in order to drive them. However, an individual with a learner’s permit is slightly exempted from that rule. Someone with a learners permit will probably spend most of their time driving with their parents, and they will be automatically covered on their parent’s insurance policy. Getting insurance on their own can be incredibly expensive and difficult.


After a teen driver has completed 65 hours of driving with another driver and the right education requirements, they are eligible to get a junior license. With the junior license, they cannot drive alone between the hours of 11pm and 5am. During these hours, they must be with a licensed adult who is their spouse, parent, or legal guardian. However, the state makes certain exemptions for teens who are driving to work or to a volunteer job during those hours. In order to be eligible for this exemption, the teen driver must carry certification with them.


If this individual wants to get their own vehicle, they will need to insure it. However, they will discover that Pennsylvania car insurance rates are more expensive for new young drivers than they are for older more experienced drivers. Thus, these drivers may want to insure their vehicle under their parent’s name. If the teen driver is listed as a secondary rather than the primary driver their monthly premiums will be considerably lower.


A junior license will turn into a regular license automatically when the driver turns eighteen. However, some drivers can get their regular license earlier than their eighteenth birthday. In order to get a regular license, the teen driver should have had their junior license for at least a year. They should have a clean driving record. Any accidents on their record will prevent them from getting a regular license, and accidents will also increase the amount that they have to pay for car insurance in PA. They also need the written consent of their parents. However, teen drivers will discover that the PA car insurance laws allow them to get cheaper insurance once they have switched from a junior license to a regular license.


It is possible to get car insurance in Pennsylvania if you only have a learner’s permit. However, it can be very expensive to do so. To save money on their Pennsylvania car insurance rates, teen drivers or new adult drivers should try to spend some time as a secondary on their parent’s or spouse’s car insurance policy