Automobile insurance is one of the most crucial policies one can hold as a car owner. In fact, Pennsylvania law requires drivers to have car insurance in order to operate a vehicle.
That said, do you know how to find the right auto insurance policy? Car insurance can be confusing, especially when you have more than one car to insure. As such, it’s essential to understand your auto policy and how to get the best value out of your premium payments.
Market Value
The make and model of your car are important factors to consider if you are looking for auto insurance in Bucks County, PA. The reason is that the cost of repairs can change significantly based on the make and model.
Your car’s worth will change over time, so your insurer must know how much you paid for it when you bought it and how much it’s worth now. If you need to know how much your car is worth, take it to an appraiser and have them give you an estimate.
Comprehensive Coverage
A good multi-car insurance policy should be all-encompassing in its coverage. You want to ensure that your liability limits are high enough to cover your vehicles’ value combined.
Additionally, you want collision and comprehensive coverage because these will protect your car against damage from accidents and natural disasters like hail storms and floods.
For instance, Bucks County often experiences storms and inclement weather. These events can cause severe damage to vehicles that aren’t protected by the correct type of auto insurance policies.
For this reason, you should consider a policy with comprehensive coverage when applying for car insurance in Bucks County.
Personal Injury Protection
Another crucial thing to remember when shopping for an auto insurance policy is whether or not it provides personal injury protection.
This coverage protects you if you are at fault in an accident and someone else suffers physical injury. It covers lost wages, any pain and suffering the victim may endure, and any medical fees incurred.
Additionally, if the injured person sues you, your policy may cover any legal expenses incurred in defending yourself. Your insurance company will pay any damages awarded by the court up to the limits of your policy.
Collision Coverage
This coverage type is the most important. It covers collision with another vehicle and damage to your car when you hit an object like a tree or pole as long as it’s not due to negligence.
The price for this insurance varies by state, so you’ll want to find out how much this will cost in the state where you live before deciding whether it’s worth it for you and your family.
Roadside Assistance
When you are driving, the last thing you want to do is get stuck on the side of the road. A good roadside assistance policy ensures that if you do need to call for help, the insurer will be there to take care of any necessary repairs.
The best policies offer more than just emergency services. They may cover common things like fuel delivery, tire change, and jump-starting your car when needed.
Property Damage Coverage
Purchasing property damage coverage is critical for multi-car owners as your current policy may not cover you if an accident happens.
Your car insurance provider will pay for damages to the vehicle and any other property, such as fences, buildings, and sidewalks, up to the amount of your deductible.
Get Your Car Insurance in Bucks County With Freedom Insurance Group, Inc.
At Freedom Insurance Group, we want you to have peace of mind as you drive around town. We offer insurance policies that will cover liabilities such as bodily injury, property damage, and personal injury — ensuring you remain covered if an accident occurs.
If you need help finding auto insurance in Bucks County, PA, contact the Freedom Insurance Group team for assistance.
