Adding a teen driver to your auto policy is a big milestone—equal parts exciting and nerve-wracking. As an independent insurance agent, I talk with parents every day who are proud of their new driver but worried about safety and cost. The good news? With the right approach, adding a teen doesn’t have to break the bank or keep you up at night. It starts with understanding how insurers view teen drivers and making smart choices from day one. Teen drivers typically increase prem

— A note from your friendly local insurance agent I’d like to pull back the curtain today on how your auto insurance premium is calculated here in Pennsylvania . Understanding this can help you make smarter decisions, explore discounts , and feel more confident that you’re getting a fair rate. 1. What is a premium anyway? Your insurance premium  is the amount you pay—monthly, quarterly, semi-annually, or annually—so your insurer agrees to cover your vehicle (and possibly your

A question I hear all the time is, “If someone else drives my car and gets into an accident, will my insurance cover it?”  The short...

As an independent insurance agent, one of the most common questions I get from clients is: “What exactly is covered in my auto policy?”...