But won't I save money if I have all of my policies under one company like Allstate, Nationwide or State Farm?

Sometimes. No one insurance company has the best quote on all products at one moment.  The best you can hope for is to end up with one company’s best quote for that given day.

Our job is to offer you the best personalized quote based on your personal or business needs.  With access to products from multiple companies, we always have a better chance at getting you the most competitive quote on any policy.

What happens when my policy renews?

Anytime your policy renews, let us do the shopping.  If there is a better product to suit your business or family’s needs at renewal time, we will be sure to recommend it.  What is most important is that you do not have to waste time shopping your business all over town or the internet every year.

Why should I use a local agent?

You really find out what your insurance agent is made of when you need to file a claim.  At that moment, you will have the peace of mind that there is someone locally who will have your best interest at heart.  Our clients are comforted by the fact that our agents and staff  live and work in the communities we serve.  Furthermore, we act on your behalf when interfacing with our carriers and adjusters to ensure that claims get processed and paid so that you can go back to what is important in your life.

What is bodily injury liability coverage?

If an insured person is legally liable for an accident, bodily injury liability coverage pays for injuries to people involved in the accident other than the insured driver up to the limit of coverage which you have chosen. Bodily injury liability coverage also pays for legal defense costs if you are sued because of the accident.

What is property damage coverage?

If an insured person is legally liable for an accident, property damage coverage pays for damage to others’ property resulting from the accident (e.g. other car, fence, lamppost, etc.). This coverage will pay for the repairs to that property up to the limit of coverage which you have chosen. Property damage coverage also pays for legal defense costs if you are sued because of the accident.

What is uninsured motorist coverage?

This is an optional coverage; however it will be included in your policy unless you take steps to reject it. Uninsured motorist coverage covers you and your relatives residing in your household for bodily injury sustained in an auto accident due to the negligence of an uninsured driver up to the limit of coverage you have chosen.

What is underinsured motorist coverage?

This is an optional coverage; however it will be included in your policy unless you take steps to reject it. Underinsured motorist coverage covers you and your relatives residing in your household for bodily injury sustained in an auto accident due to the negligence of an underinsured driver (someone who has auto insurance but not enough coverage to pay for all your damages), up to the limit of coverage you have chosen.

What is stacked uninsured/underinsured motorist coverage?

If you elect uninsured/underinsured motorist coverage and you have more than one vehicle, the coverage that you have on these vehicles will be added together to total the limit of the benefit available to you.

What is medical expense benefit coverage?

Medical expense benefit coverage applies regardless of who is at fault. This coverage is mandatory by Pennsylvania law with a required minimum of $5,000. You may purchase additional medical expense benefit coverage if you choose.

What is income loss benefit coverage?

Income loss benefit coverage applies regardless of who is at fault. Income loss benefit coverage provides reimbursement for lost wages due to an auto accident.

What is funeral expense benefit coverage?

Funeral expense benefit coverage applies regardless of who is at fault. Funeral expense benefit coverage provides money to pay for a funeral where the death is the result of an auto accident.

What is accidental death benefit coverage?

Accidental death benefit coverage applies regardless of who is at fault. Accidental death benefit coverage provides money when you or a covered family member dies in a car crash.

What is collision coverage?

Collision coverage is an optional coverage which provides for repairs for damages to your vehicle when your insured vehicle overturns or collides with another object (e.g. other car, fence, lamppost, etc.). While this is an optional coverage, most auto lease and finance agreements require you to purchase this coverage to ensure the car will be repaired or replaced after a loss.

What is comprehensive coverage?

Comprehensive coverage is an optional coverage, which provides coverage for damage to your vehicle resulting from an event other than a collision. This includes damage from fire, flood, theft, vandalism, windstorm, hail, or impact with a bird or animal. Although this is an optional coverage, most auto lease and finance agreements require you to purchase this coverage to ensure the car will be repaired or replaced after a loss.

What is loan/lease payoff coverage?

Loan/lease payoff coverage, sometimes called “gap” coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your comprehensive or collision deductible.

What is an anti-theft device?

A device, either active or passive, that attempts to prevent vehicle theft. Active anti-theft devices can track and recover a vehicle and automatically contact a response center to begin the  vehicle recovery process. Passive anti-theft devices attempt to prevent theft by using  sophisticated electronic car alarms, simple steering wheel locks, etc.