You wouldn’t walk on a high wire without a safety net would you? So why drive a car without auto insurance? Think of PA auto insurance as your safety net. If something happens to your vehicle, they are there to protect you and your finances. The right type of auto insurance can provide you with the means to pay for damages or injuries.
Auto insurance policies are basically an agreement between you and the insurance agency. You agree to pay a premium each month and the agency agrees to pay for losses or damages to your vehicle. How much they will pay all depends on your policy agreement. You may have a high deductible and a low premium or a low deductible and a high premium. Discuss your options with your agent to find a policy you can afford and one that will give you the most coverage. It’s also a good idea to ask about ways to earn discounts on your insurance. Some PA auto insurance companies will offer lower rates if more than one vehicle is on the policy. Other discounts are offered to safe drivers or drivers who are married.
While rates are important when it comes to finding an insurance company to go with, customer service is just as important. When the time comes to file a claim, you want your PA auto insurance company to be responsive and helpful. After you report an accident, damage or theft to your agency, they should contact you within a 24-48 hour period and send out an inspector or adjustor to assess the damage. Do some research on different companies and find one with a good customer service rating.