Auto Insurance in Chester County PA

 

Selecting an auto insurance policy can be overwhelming when faced with the sheer number of insurance companies out there, all promising exceptional coverage and competitive rates. You’re probably wondering, “How do I choose the right policy to make sure I’m financially protected when I’m driving?”

Our Insurance Agents are committed to providing you with only the best policies from the most competitive insurance companies, all at the most affordable rates available. We take the hassle out of choosing an auto insurance policy by providing our clients with a detailed explanation of the benefits and drawbacks of each policy so that they can make the most educated decision possible.

In the state of Pennsylvania, it is mandatory that you have some basic liability coverage in case you injure someone or damage someone’s property. At the very least, you are required to carry bodily injury liability coverage of $15,000 per person/ $30,000 per accident and only $5,000 of property damage. Pa. also requires that you carry a minimum of $5,000 first party medical coverage which covers your medical if you are injured in a car accident even one that you cause. In the State of Pa. medical always follows the driver. Keep in mind that driving in the state of Pa without obtaining this basic coverage is against the law and comes with stiff consequences.

As a professional insurance agency, we will guide you in choosing the coverage that best fits you and your family’s needs. Most people will need far more than the basic coverage which would include collision as well as comprehensive coverage. This ensures that the insurance company will cover damage to your vehicle should you be involved in a car accident; the insurance company will also pay to repair any damage to your vehicle even if it’s something other than a collision loss.

You may be wondering if this is the right time to be shopping for car insurance; the best times to shop are if you have been with the same carrier for 5 years or more or have recently experienced a life change. The nice thing about working with an agency like us is you can always expect us to shop around for the best rates for you because we deal with multiple insurance carriers and are always looking for new well-established insurance carriers to add; we work for you not the insurance companies. As far as life changes go, you should re-shop your rates if you’ve recently been married or divorced, are adding a teen driver, buying a new car, moving to a new zip code, buying a house, changing jobs, have improved your credit score or driving records, or have started a new business. Being proactive during these life changes will help insure that you are getting the best value for your dollar. Call us and give us the opportunity to earn your business and help you with your new transition.

Best Deals

Many insurance companies offer discounts so make sure to ask! An auto insurance company might offer:

• Discounts related to the vehicle, antilock brakes, antitheft device, & airbags discounts.
• Discounts based on your education or occupation.
• Discounts based on buying into multiple insurance packages from the same company.
• Discounts based on grades.
• Discounts based on driver training.
• Discounts based on annual miles driven.
• Discounts based on age, 24 and 55 years of age offer great discounts.
• 55 or older driver training discounts.
• Discounts when young drivers don’t take their cars to college with them.
• Discounts based on 3 years or more driving experience.
• Discounts for people with no accidents or tickets for 3 years.
• Discounts for people with no accidents or tickets for 5 years.

Renew Your Auto Insurance Policy Early

By keeping your auto insurance policy active and renewing your policy early, you can qualify for lower premiums and discounts.

To request a quote, please contact steve@evansinsuranceservices.com