Pennsylvania drivers must purchase and maintain auto insurance in order to legally drive.
This is called maintaining financial responsibility on your vehicle. When you purchase auto insurance, the insurance is a contract between you and your insurance company that protects you against financial loss in the event of an accident or other covered claim. In exchange for paying a premium, the insurance company agrees to pay the losses as outlined in your auto policy contract.
Not every auto insurance policy is created equally, in fact each auto insurance policy is actually made up of a variety of coverages that can be purchased depending on your needs and wants. Although the coverages are important, there are some that are not required. For example, if you purchase a vehicle that doesn’t have a loan you can choose if you want to purchase comprehensive coverage; which protects the vehicle from events such as hail, fire, theft, vandalism or falling objects and you may also choose whether to purchase collision; which provides coverage in the event of an accident. An insurance company may offer you what is called “state minimum insurance” we strongly advise you to have more than just the basic coverage amounts required by law. Being underinsured leaves you vulnerable and may not provide enough coverage to pay for extensive damage or injury claim.
Gallen Insurance takes the time to evaluate your needs and wants to provide you with quality coverage at a price within your budget. Whether you are a first-time auto shopper or currently have active auto insurance please feel free to contact me for a free, no-obligation quote. Together we can find coverage best suited to provide you with the protection you want & deserve!
Becky Torres, Licensed Insurance Agent
Gallen Insurance
Direct: 610-898-6527
Email: Rtorres@galleninsurance.com
1 Comment
It’s great that you talked about how not every auto insurance policy is created equally. I just got a car, so I need to get insurance for it too in order to be allowed to drive it. So, I’ll try to get cheap auto insurance.