— 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?”...

When choosing auto insurance in Pennsylvania, one of the most important decisions you'll make is whether to select limited tort  or full...

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Uninsured and underinsured motorist coverage is one of the most important, yet often overlooked, parts of a Pennsylvania auto insurance...