Navigating Auto Insurance: Tips for Finding the Best Coverage
When you start shopping for car insurance it can get overwhelming very quickly because of the different policies, coverage options, and prices available. Every insurance company seems to offer different benefits, making it challenging to determine what coverage truly fits your specific car insurance needs.
Understanding the basics of automobile insurance helps you make informed decisions that protect your finances and your peace of mind. Pennsylvania’s minimum insurance requirements are $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 in property damage liability. Personal injury protection is also mandatory at $5,000, covering medical expenses regardless of who caused the accident.
Beyond the minimums, consider coverage that matches your lifestyle, travel distances and financial situation. Comprehensive and collision coverage protect your vehicle from theft, vandalism, and accident damage. Gap insurance becomes valuable if you owe more on your car loan than the vehicle’s current worth. You may also want to consider uninsured & underinsured motorists coverage.
Your deductible choice directly impacts your premium costs. Higher deductibles mean lower monthly payments, but you’ll pay more out-of-pocket if you need to file a claim. Consider your emergency fund when selecting a deductible amount that balances affordability with financial protection.
Shopping around reveals significant price differences between insurance companies. Each insurer uses different factors to calculate your premium, including your driving record, credit score, and vehicle type. Work with an agent who offers quotes from multiple providers to compare both prices and coverage options effectively.
Finding quality auto insurance means balancing adequate protection with affordable premiums while working with trusted local agents who understand your unique circumstances.
At Meixell-Diehl, we don’t believe in setting a timer when it comes to something as precious as your life, your family, or your business. To us, you’re not a number. You’re our neighbor – that’s something that hasn’t changed since 1933.
We’re focused on helping you through life’s most unexpected moments, whether that’s by phone call, text, email, or stopping in for the comfort of a friendly familiar face. Our agents are also continually evolving their insurance expertise to ensure the policies and prices we’re offering ultimately align with your life. Contact us today!
Note: This information is general guidance and should not replace professional insurance advice. Consult with your insurance agent to determine coverage options for your specific situation.