Contact Your Erie Insurance Agent For The Best Price

May 8, 2011 in erie insurance agent

Insurance can be very complicated. In the first place, it is somewhat confusing how much money you have to pay in hopes that someday it will come in handy. Trying to understand how each policy works and what kind of protection they provide can be quite an arduous task. This is why you should find a certified Erie insurance agent to help you if you live in Pennsylvania. They can take your information and find the best services to help you and explain why one policy is better than another and what the legal requirements are for insurance in the state of Pennsylvania in the first place.

 

First of all, if you plan to drive in Pennsylvania, your Erie agent will help you to get the right auto insurance policy for you. Every driver is different, so there are many different variables that you will need to take into consideration in order to determine how much coverage you need and what you can expect to pay every month. While there are basic requirements that are required by law some people need more insurance and some people simply would prefer to have more protection.

 

For instance, in the state of Pennsylvania, the minimum requirements are basic liability and first party benefits. Liability, basically, ensures that if you get into an accident, you can afford to pay for damages, repairs, and medical care. Because of the way the law works in Pennsylvania, someone must be found responsible for an accident, even if it was really an accident. This is the basic tenet of the Tort insurance system, which is different from a “No-Fault” system. A dedicated and knowledgeable Erie agent can help you to better understand this if you need more information as it can be confusing if you are not familiar with it.

 

Liability coverage protects you from having to pay damages for bodily injury and property damage. If you get into an accident on the road, your liability coverage will pay for repairs to vehicles as well the medical costs for personal injuries, if there are any. Sometimes, though, you swerve off the road because it is slippery or because of errant debris or a lost animal and you hit a parked car or even a private building or residence. Your liability coverage can help pay for repairing or replacing property such as this. Ask your agent about minimums and limitations to determine how much coverage you need.

 

Your Erie insurance agent might also recommend that you get supplemental coverage, particularly if you have a family. When you have a lot of things to protect, like small children or assets that can help your family stay afloat during harder times, extra insurance can make sure that you are able to hold on to these things. Additional Personal Injury Protection, for instance can help to make sure that you are still able to work after an injury so that you can continue paying bills to take care of your family.

How Your Erie Insurance Agent Can Help You Find The Best Policy

May 7, 2011 in erie insurance agent

Many people find the thought of insurance frustrating and confusing. There are many aspects to insurance coverage and the bottom line is that when you do not know how your monthly payments apply to the coverage you get, it’s a bit unnerving. Of course, this is why it is important to speak with a professional Erie insurance agent who understand how insurance works. If you live in Pennsylvania or are planning to move there, a licensed professional can help to break down the differences between insurance in Pennsylvania and other states, and what minimum requirements you need to satisfy in order to drive legally.

 

Of course, the first thing you want your Erie insurance agent to do is find the best possible policy for you. Since every driver is different and lives under different circumstances it is important for you to remember that you should not compare your quotes to that of another person. There are so many variables that it is often impossible to get the same rates as another person. At the same time, if you are only looking for bare minimum coverage, then there is a bottom line that you should be able to expect.

 

In Pennsylvania, there are three components of the most basic insurance policy. First of all, you need to have liability coverage for Bodily Injury and Property Damage. Basically, with this coverage, you can be sure that if you get into an accident and it is determined that you have to pay damages you will be able to do so. The third aspect of a Pennsylvania insurance policy is basically some extra coverage that is there to ensure that you are able to replace your vehicle, get medical attention, and return to work as quickly as possible after an accident. Your Erie insurance agent can help you determine how much of each is best for you.

 

If you are moving to Pennsylvania from a “no-fault” state, this aspect of paying damages may seem somewhat foreign to you. This is because in a no-fault state, every person who is involved in an accident is responsible for handling their own damages, repairs, or hospitalization. Pennsylvania is a Tort state which requires that at least one person involved with the accident must be responsible for causing it, and thus must also be responsible for paying for the damages. Again, your Erie insurance agent can more accurately explain how this works.

 

Your Erie insurance agent might also make a suggestion that you add a few extra features to your insurance policy. If you have a family, for instance, or you drive an expensive car, you have a lot to lose in a bad accident. If you are in an accident with someone who has inadequate insurance, though, you will end up having to repair or replace these expensive things. Of course, you cannot simply “fix” injuries that your children might sustain. In this case, your agent might suggest supplemental coverage for you, but this is a case by case basis.

Selecting the Erie Insurance Agent That’s Right for Your Family

April 28, 2011 in erie insurance agent

Having an Erie insurance agent is a requirement for every driver. This makes it vital to select the right person to handle the job. This can only be accomplished if you take the time to be selective in your choice. You will take the personality of the agent into account as you begin doing your research. However, the majority of the decision will fall on what they have to offer and if the policy gives you the benefits you need. There are a few questions you can ask yourself from the beginning to know if you are making the best decision.

 

Do they represent multiple carriers? Sometimes an Erie insurance agent will offer policies with multiple carriers. Other times they will be tied to a single company. Who you choose to work with can be based prominently on which companies the agent works with. You might have a need to compare various carriers to find the best deal. You might prefer to stick with a carrier you know and trust. Regardless of which it may be, your feelings on the carrier will likely play a role in your choice of whether to use the agent.

 

Are there discounts available? An Erie insurance agent generally has the ability to offer you discounts for various things. If you have a perfect driving record you may qualify for a discount for that. The same may be true simply due to your age. If you opt for multiple policies with the same company it can lower your rate. You may only choose to work with an agent that is willing to offer you discounts when they apply. This is something you want to ask the agent in the beginning. Knowing what they have to offer you will make a difference in whether you choose to purchase your policy with them or elsewhere.

 

Are the payments affordable? Many times the amount you owe and the frequency will vary from one Erie insurance agent to another. You may prepay your policy for six months or a year at a time. You may choose to use an agent that allows monthly payments. Either way you want to be certain that what is coming out of your pocket is something that fits into your budget. If the payment is not affordable then you will not be satisfied with your policy. It is important to know what your payments are and how often they are due.

 

Selecting the Erie insurance agent that you want to use is not as difficult as it might seem. When you know what you want in advance it will make the decision much easier for you. Sitting down and deciding which carrier you prefer, what discounts you are eligible for and how much you can afford to pay will assist you in determining what your particular needs in an agent are. You can take that information and use it to help you find the right person to work with. Satisfaction with your agent will lead to a greater satisfaction with your policy as well.

Considerations in Selecting an Erie Insurance Agent

April 3, 2011 in erie insurance agent

When it comes time to select an Erie insurance agent, you will find that there is a vast selection available. This may worry you as you try and determine which one is the one you should choose. In the end the decision will be made based on a number of factors including how well your personality matches with the agent you have selected. However, there are other things you might want to consider that could make a difference in your choice. Some small things that you might take for granted could be the deciding factor on the agent that you pick.

 

When you are looking at which Erie insurance agent to select you will need to factor in their location. You will need to be able to easily access the office whenever a payment is due or a question or concern arises. This means that you will want something that is fairly convenient to where you are. It can be a location that is near your work or your home. You might even select a place nearby to your child’s school. As long as it is simple for you to get there, get in and get out you will find it easier to work with them.

 

Another consideration to look at in an Erie insurance agent is the hours they keep. Not everyone can get to an office Monday through Friday from nine to five. Is the location open later than that? Do they have Saturday hours? In some cases their hours will not matter, but for many people this could be a deal breaker. If you are unable to get in during the time they are open you will find it difficult to have a business relationship with them. You want to select an agent that you can easily visit when there is a need.

 

The most important factor about any business you deal with is their customer service. This is also true for the Erie insurance agent that you select. You want to know that you are working with someone that offers superior service. Whether you are calling in with a question or visiting in person with a concern you want to know that you will be treated with respect and kindness from the very first moment. You can often get a good idea of the agent’s customer service from the moment you first make the call to inquire about their service.

 

Choosing an Erie insurance agent is a task that everyone has to accomplish at some point. You are picking an individual that you will be doing business with for years to come. It is important that you select someone that you can easily access and that treats you well. They should value their customers and you will know that from your first interaction. By considering these few things you are helping yourself to eliminate those agents that would not meet the needs that you currently have. This helps you find the right agent is a quick and effective manner.

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.