Key Factors to Consider When Selecting Auto Insurance Coverage

Oftentimes, price is at the top of the list when people shop for auto insurance. Although affordable cost is important, there are other factors to consider when purchasing auto coverage. A well-rounded auto policy will cover your injuries and vehicle damage as well as that of others from accidents you cause. At R&R Insurance Group LLC, we can customize an auto policy to meet your driving needs in Quakertown, PA. 

What to Consider When Purchasing Auto Insurance

Required Coverage

Most states require that drivers have minimum liability insurance and Pennsylvania is no exception. Liability insurance pays for damages to others in accidents that are your fault. As minimum liability insurance may not fully cover the damage caused by serious accidents, we recommend getting as much liability coverage as you can afford.

Value of Your Car

If you drive an expensive vehicle, you’ll want full protection to cover costly repairs in the event of an accident. Collision insurance covers damage to your vehicle caused by collisions. Comprehensive insurance pays for damage to your vehicle from non-collision causes such as inclement weather and vandalism. It also protects your car from theft. 

Your Driving Habits

Your driving habits should be considered when getting auto insurance. If you spend a lot of time on the road or drive long distances, you’re at greater risk of an accident. In addition to liability, collision and comprehensive insurance, you may want to add uninsured motorist coverage to your policy to protect you against drivers who have insufficient coverage to pay for your damages.    

Your Driving Experience

Inexperienced drivers are at greater risk of causing accidents and should have ample insurance to cover any eventuality.

Contact R&R Insurance Group for Quality Auto Coverage

For quality auto insurance to best meet your needs in the greater Quakertown, PA community, contact R&R Insurance Group LLC.

Can I get car insurance if I don’t own a car?

The answer is yes! R&R Insurance Group LLC can get you insured even if you don’t have a car. Many people in Quakertown, PA don’t own a car because they just don’t want the hassle of dealing with a car. But sometimes, you might want to borrow a friend’s car or rent a car on vacation.

Auto Insurance: What Are My Options?

Option 1: Get added as a named driver on someone else’s policy

There are a few options for getting insured without owning a car. The first option is to get added as a named driver on someone else’s policy. This is usually done for young drivers who are trying to build up their own no-claims bonus.

Option 2: Short-term auto insurance

The second option is short-term insurance. This is often used by people who have just bought a new car, and need to insure it for a few weeks before their annual policy starts.

Option 3: Pay-as-you-go automobile insurance

The third option is pay-as-you-go insurance. This type of insurance allows you to top-up your account when you need to drive. For most non-car owners, this is the way to go. The way it works is that you set up a policy that you can opt into whenever you need it. Most insurance companies offer an app for your smartphone, so you won’t need to plan ahead. If a friend asks you to drive their car, you can opt in within minutes and be covered.

Contact Us Today

If you live in Quakertown, PA and don’t own a car, you can still get insured! Contact R&R Insurance Group LLC today. We can answer all your questions and set up a policy that covers you if you rent a car or borrow one from a friend.

Teenager Driver Information

A teen driver can be a new set of questions and processes for you because the cost is different, however, there are discounts available to help you manage this. R&R Insurance Group LLC in Quakertown, PA, can give you advice in reference to your new driver. 

Teenager Driver Information

There is an option to get a new policy for just your teenage driver if they have a part-time job, or you would just pay separately for it since having them on your policy with you would increase your insurance rate because they are younger than 25 years old, which is considered a risky time frame for a driver learning to follow the rules of the road. You may need to have them on your policy when they get a learner’s permit and drive in your vehicle.

You could find out about discounts from your insurance company, and they may offer one for grades in school and driver education classes. 

Teenagers may have time with other young drivers in their vehicle, or in yours, and this could be a distraction and could cause an incident, such as a fender bender or a little collision. This is a time to talk with them about their driving behavior and even avoid others in the car with them, or just drive with them with you so you could be a good example and protect them from other people who may cause a problem. You could also give them pointers about driving under the influence of alcohol and illegal drugs, because it would help them avoid a DUI charge, or worse, a serious problem on the road. 

If you need help with managing these items in reference to your teenage driver, find out more from R&R Insurance Group LLC serving Quakertown, PA.

Pennsylvania Auto Insurance: Insurance Follows the Car, Not the Driver

When you have Pennsylvania auto insurance, you should know that the insurance follows the car, and not the driver. This means that if you drive someone else’s car, it is their insurance that would be impacted in the event of a claim. If someone else drives your car and there’s an accident, it is your insurance that would cover it.

At R&R Insurance Group LLC, we want Quakertown, PA residents to feel comfortable at all times when they are driving.

Pennsylvania Car Insurance

Pennsylvania car insurance can be confusing because the various components of an auto insurance policy cover different things. Some cover a person and bodily injury or wrongful death, whereas others cover property damage.

When you drive in Pennsylvania, your vehicle must have car insurance. Pennsylvania law calls this financial responsibility.

If someone else drives your vehicle and there are damages, it will be your vehicle insurance that will have to handle that.

Impacts on Pennsylvania Auto Insurance

When someone else drives your vehicle and there is a problem, there are still going to impact your auto insurance. If your insurance company covers damages in an accident, you will see an increase in your premiums the following year.

There are certain conditions under which you could have further insurance problems. If the car is stolen by someone else and there is an accident, your car insurance will cover the damages. If your vehicle is used for illegal activity, even if you aren’t responsible, you could lose your auto insurance completely.

Get a Quote

The simplest way to avoid this problem is to not let other people drive your car, and saying that is due to car insurance laws should not cause a problem. Otherwise, if you think your vehicle needs to be driven by someone else, the simpler alternative is to add them to your vehicle’s auto insurance policy. At R&R Insurance Group LLC, we can help Quakertown, PA residents get all of the coverage they need for their car insurance. Get a quote today to update your Pennsylvania auto insurance.