Insurance Pennsylvania | Auto | Disability | Homeowners | Life | Health » car http://www.insurance-pennsylvania.com Free information on Pennsylvania insurance including auto, homeowners, life, disability, business, health insurance and more. Sat, 04 Feb 2012 01:17:51 +0000 en hourly 1 Can My Homeowners' Insurance Be Different Than My Car Insurance? http://www.insurance-pennsylvania.com/answers/can-my-homeowners-insurance-be-different-than-my-car-insurance/ http://www.insurance-pennsylvania.com/answers/can-my-homeowners-insurance-be-different-than-my-car-insurance/#comments Mon, 30 Jan 2012 01:16:45 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/can-my-homeowners-insurance-be-different-than-my-car-insurance/

Silly question, but just wanted to know. Also, I have two pit bulls and was wondering which insurance agencies do not have dog restrictions. I have Nationwide car insurance and I would have to take my dogs to obedience school to have homeowners with them and my husband and I don't really have the time for that.

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]]> http://www.insurance-pennsylvania.com/answers/can-my-homeowners-insurance-be-different-than-my-car-insurance/feed/ 10 How Does a Car Insurance Company Make Money? http://www.insurance-pennsylvania.com/answers/how-does-a-car-insurance-company-make-money/ http://www.insurance-pennsylvania.com/answers/how-does-a-car-insurance-company-make-money/#comments Fri, 27 Jan 2012 13:18:33 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/how-does-a-car-insurance-company-make-money/

Does the government back the car insurance companies?

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]]> http://www.insurance-pennsylvania.com/answers/how-does-a-car-insurance-company-make-money/feed/ 7 What Factors Affect How Much I Will Pay for Car Insurance? http://www.insurance-pennsylvania.com/answers/what-factors-affect-how-much-i-will-pay-for-car-insurance/ http://www.insurance-pennsylvania.com/answers/what-factors-affect-how-much-i-will-pay-for-car-insurance/#comments Mon, 23 Jan 2012 13:18:08 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/what-factors-affect-how-much-i-will-pay-for-car-insurance/

what are the factors that affect the amount i pay for insurance on a car? im looking to purchase my first vehicle and want to know what i can't afford.

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]]> http://www.insurance-pennsylvania.com/answers/what-factors-affect-how-much-i-will-pay-for-car-insurance/feed/ 11 What's a Good Short Storyline for a Car Insurance Commercial Targeted for Parents of Teens? http://www.insurance-pennsylvania.com/answers/whats-a-good-short-storyline-for-a-car-insurance-commercial-targeted-for-parents-of-teens/ http://www.insurance-pennsylvania.com/answers/whats-a-good-short-storyline-for-a-car-insurance-commercial-targeted-for-parents-of-teens/#comments Wed, 18 Jan 2012 13:22:36 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/whats-a-good-short-storyline-for-a-car-insurance-commercial-targeted-for-parents-of-teens/

OKAY! so i need a good storyline for a school project im doing! Im making a commercial with my friends with video. My topic is and it is targeted at parents. Specifically Parents who have teens on there hands that are just about to drive!
PLEASE HELP! thanksss!

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]]> http://www.insurance-pennsylvania.com/answers/whats-a-good-short-storyline-for-a-car-insurance-commercial-targeted-for-parents-of-teens/feed/ 1 What Personal Information Can Be Revealed by a Car Insurance Card? http://www.insurance-pennsylvania.com/answers/what-personal-information-can-be-revealed-by-a-car-insurance-card/ http://www.insurance-pennsylvania.com/answers/what-personal-information-can-be-revealed-by-a-car-insurance-card/#comments Sun, 15 Jan 2012 13:16:47 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/what-personal-information-can-be-revealed-by-a-car-insurance-card/

Friend asked me for a copy of my card, said he needed it for something but didn't tell me what.

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]]> http://www.insurance-pennsylvania.com/answers/what-personal-information-can-be-revealed-by-a-car-insurance-card/feed/ 3 How Can My Pa Auto Insurance Be Cancelled http://www.insurance-pennsylvania.com/articles/how-can-my-pa-auto-insurance-be-cancelled-2/ http://www.insurance-pennsylvania.com/articles/how-can-my-pa-auto-insurance-be-cancelled-2/#comments Wed, 11 Jan 2012 01:17:05 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/articles/how-can-my-pa-auto-insurance-be-cancelled-2/

Every week I get a variation of this question: will they cancel my car insurance? Well, it's not that simple here in Pennsylvania when it comes to cancelling car insurance. The state of has instituted guidelines regarding the procedures that must be taken to cancel a car insurance policy.

The DUI or violation that results in a license suspension is an easy one. If your license is lost, suspended or revoked during your policy period the insurance company can cancel the policy. If they don't catch it in a three year period they cannot come back after that and cancel. Getting a suspension or revocation of driving rights in another state is not a legitimate reason for cancellation. There are currently no other states who are reciprocating with Pennsylvania regarding violations and suspensions at this time.

Pennsylvania law is clear on what they will allow when it comes to accidents as well. Any two at-fault accidents over the threshold of $1150 within a 36 month give an insurance company the green light to cancel or non-renew an insurance policy. Certainly, some companies will give some credence to the agents input before they decide to cancel. Many times the severity of the accidents will be taken into account. Accidents in combination with violations are sure to be taken much more seriously than say 'sliding on snow covered roads'

regulations regarding violations is another option for insurance companies to use when deciding to cancel or non-renew a policy. A total of 12 points will result in an immediate suspension of priviledges and also cause for cancellation or non-renewal of your insurance. Other combination of accidents and violations can be used for cancellation according to Pennsylvania auto insurance laws.

If you've received a cancellation notice from your insurance company you may be entitled to appeal. The Pennsylvania insurance department requires that you notify them within 30 days of your notice and they will review your individual case.

Not paying your insurance bill on the due date is one more reason your Pennsylvania car insurance policy can be canceled. The state law allows insurance companies to hold you responsible for paying on time and has no grace period.

University of Pitt Graduate 1984

Owner/Founder of Williams Agency in 1986

Source for affordable pennsylvania auto insurance

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]]> http://www.insurance-pennsylvania.com/articles/how-can-my-pa-auto-insurance-be-cancelled-2/feed/ 0 Pa Car Insurance From Williams Agency http://www.insurance-pennsylvania.com/videos/pa-car-insurance-from-williams-agency/ http://www.insurance-pennsylvania.com/videos/pa-car-insurance-from-williams-agency/#comments Tue, 10 Jan 2012 01:17:15 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/videos/pa-car-insurance-from-williams-agency/


Better Coverage at a Much Lower Price! williams-agency.net Specialists... At the Williams Agency Insurance - We provide you with the best service and the best options for all your insurance needs. Visit our website at williams-agency.net or simply call us to get a quote at 1-800-392-5621 We look forward to serving you!

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]]> http://www.insurance-pennsylvania.com/videos/pa-car-insurance-from-williams-agency/feed/ 25 Anyone Know Any Car Insurance Company's That Can Offer Cheap Car Insurance for a 18 Year Old? http://www.insurance-pennsylvania.com/answers/anyone-know-any-car-insurance-companys-that-can-offer-cheap-car-insurance-for-a-18-year-old/ http://www.insurance-pennsylvania.com/answers/anyone-know-any-car-insurance-companys-that-can-offer-cheap-car-insurance-for-a-18-year-old/#comments Mon, 09 Jan 2012 13:17:58 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/anyone-know-any-car-insurance-companys-that-can-offer-cheap-car-insurance-for-a-18-year-old/

I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me $3000 a year. Thats $250 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?

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]]> http://www.insurance-pennsylvania.com/answers/anyone-know-any-car-insurance-companys-that-can-offer-cheap-car-insurance-for-a-18-year-old/feed/ 4 Someone Broke Into My Car and Stole My DSLR. Can I Claim From My Home Insurance Instead of Car Insurance? http://www.insurance-pennsylvania.com/answers/someone-broke-into-my-car-and-stole-my-dslr-can-i-claim-from-my-home-insurance-instead-of-car-insurance/ http://www.insurance-pennsylvania.com/answers/someone-broke-into-my-car-and-stole-my-dslr-can-i-claim-from-my-home-insurance-instead-of-car-insurance/#comments Sat, 07 Jan 2012 01:16:41 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/someone-broke-into-my-car-and-stole-my-dslr-can-i-claim-from-my-home-insurance-instead-of-car-insurance/

Someone broke into my car and stole my DSLR while parked overnight in our gated driveway. The camera equipment cost about $2000. I'm wondering if I can file a claim with my home insurance instead of my .

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]]> http://www.insurance-pennsylvania.com/answers/someone-broke-into-my-car-and-stole-my-dslr-can-i-claim-from-my-home-insurance-instead-of-car-insurance/feed/ 4 Do I Need to Buy Auto Insurance for My Used Car Dealership? http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-auto-insurance-for-my-used-car-dealership/ http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-auto-insurance-for-my-used-car-dealership/#comments Sun, 01 Jan 2012 01:17:25 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-auto-insurance-for-my-used-car-dealership/

We are just starting out and wonder if our personal car insurance would cover test drives, or our driving the vehicles. It is a sole proprietorship.
We do have a bond insurance and just acquired two vehicles (our first since we are new) and have not been driving them yet because we are looking into insurance.

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]]> http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-auto-insurance-for-my-used-car-dealership/feed/ 5 Do I Need to Pay for Rental Car Insurance When I Rent a Car? http://www.insurance-pennsylvania.com/answers/do-i-need-to-pay-for-rental-car-insurance-when-i-rent-a-car/ http://www.insurance-pennsylvania.com/answers/do-i-need-to-pay-for-rental-car-insurance-when-i-rent-a-car/#comments Thu, 29 Dec 2011 01:18:07 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/do-i-need-to-pay-for-rental-car-insurance-when-i-rent-a-car/

I don't own a car, so I don't have car insurance. I have heard that if I pay for my rental with a credit card, it will cover insure the car. Any clarification on this?

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]]> http://www.insurance-pennsylvania.com/answers/do-i-need-to-pay-for-rental-car-insurance-when-i-rent-a-car/feed/ 5 Pennsylvania Car Insurance Rates Tied to Your Credit http://www.insurance-pennsylvania.com/articles/pennsylvania-car-insurance-rates-tied-to-your-credit/ http://www.insurance-pennsylvania.com/articles/pennsylvania-car-insurance-rates-tied-to-your-credit/#comments Sun, 25 Dec 2011 01:19:03 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/articles/pennsylvania-car-insurance-rates-tied-to-your-credit/

So you haven't had a speeding ticket in years. No accidents either. By any standards your driving record is clean. Of course when you shop for a pa car insurance quote you expect to receive a pretty low rate. So why is your insurance quote still so high? Well, your high auto insurance rates may be the result of a poor credit score. Even those persons with a good driving record may still experience higher insurance rates if their credit score is low.

Many Pennsylvania insurers use personal credit scores as a determining factor in a calculation called an insurance score. And in recent years, a person's insurance score has become just as important as their driving record in determining what annual premium they will pay.

An insurance score is computed using data collected from bill-paying history and loan history as reported by major credit bureaus. If your bill-paying history is poor and you load ratio high, it could costs you hundreds of extra dollars each year on your car insurance rates. Studies show that a driver with a clean driving record, but a poor insurance score can pay significantly more than a driver with an at-fault accident, but a good insurance score. Part of the philosophy for rating insurance by using this score is that actuarial studies indicate that how a person handles his personal finances is a reliable predictor of future insurance claims. Still other studies claim that a person's significant financial difficulties may indicate a tendency for risky behavior.

While using insurance scores is prohibited in some states, it is legal for Pennsylvania auto insurers to use a personal credit history. companies will use these scores to determine which insurance products to sell, as well as to calculate rates. Each person's insurance score may also be used to determine your premium payment schedule – whether you will pay monthly, quarterly, or if you must pay the entire policy premium up front.

If you have a low insurance or credit score, there is one bit of good news. In the Commonwealth of Pennsylvania it is against the law to use these scores when your policy comes up for renewal. However, Pennsylvania insurers will use other factors at renewal to assess your premiums. Things like your age, gender, location, type of car, and your driving record will be considered.

If you know your credit score might negatively impact your auto insurance rates, then be sure to get as many rate comparisons as possible. Because each insurer calculates your score differently, you will find a wide range of premiums when you get several quotes from various companies. When you receive a quote, ask for details about your score. If details are provided, review them and look for any areas where you think you are being scored incorrectly. Also, if your score is low, ask how frequently each company reevaluates insurance scores.

Unfortunately, those most adversely affected by the insurance scoring method are usually the last to realize it. However, now you know, so shop carefully and ask questions

University of Pitt Graduate 1984

Owner/Founder of Williams Agency in 1986

Source for affordable pennsylvania auto insurance & Insurance products for seniors

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]]> http://www.insurance-pennsylvania.com/articles/pennsylvania-car-insurance-rates-tied-to-your-credit/feed/ 0 If I Am a Named Driver With an Irish Car Insurance Company Will a Claim Affect My British Insurance Premium? http://www.insurance-pennsylvania.com/answers/if-i-am-a-named-driver-with-an-irish-car-insurance-company-will-a-claim-affect-my-british-insurance-premium/ http://www.insurance-pennsylvania.com/answers/if-i-am-a-named-driver-with-an-irish-car-insurance-company-will-a-claim-affect-my-british-insurance-premium/#comments Fri, 23 Dec 2011 13:22:25 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/if-i-am-a-named-driver-with-an-irish-car-insurance-company-will-a-claim-affect-my-british-insurance-premium/

Our car was written off, we were to blame, and another driver has claimed against our insurance company. Should I inform the British insurance company that I a named driver with? The last thing I need is to damage my folks car and find I'm not covered because I did not inform the insurance company of every little thing. I cannot find any info anywhere!

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]]> http://www.insurance-pennsylvania.com/answers/if-i-am-a-named-driver-with-an-irish-car-insurance-company-will-a-claim-affect-my-british-insurance-premium/feed/ 1 Buying Home for First Time, Can Someone Tell Me About Homeowners Insurance? http://www.insurance-pennsylvania.com/answers/buying-home-for-first-time-can-someone-tell-me-about-homeowners-insurance/ http://www.insurance-pennsylvania.com/answers/buying-home-for-first-time-can-someone-tell-me-about-homeowners-insurance/#comments Tue, 20 Dec 2011 01:16:39 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/buying-home-for-first-time-can-someone-tell-me-about-homeowners-insurance/

My husband and I are about to close on a home and would like to know some about . We are planning on getting it through our , but just want to know if anyone has any advice as to how we can estimate the value of our stuff, any thing important we need to know?

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]]> http://www.insurance-pennsylvania.com/answers/buying-home-for-first-time-can-someone-tell-me-about-homeowners-insurance/feed/ 4 Partners of the Weimer Group Presents: Thrifty Car Sales http://www.insurance-pennsylvania.com/videos/partners-of-the-weimer-group-presents-thrifty-car-sales/ http://www.insurance-pennsylvania.com/videos/partners-of-the-weimer-group-presents-thrifty-car-sales/#comments Sun, 18 Dec 2011 13:18:13 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/videos/partners-of-the-weimer-group-presents-thrifty-car-sales/


The Weimer Group presents one of our partners, Thrifty Car Sales of Coopersburg! At The Weimer Group, we love our partners! We offer the best coverage and rates for . Visit our website for more information and free quotes! www.theweimergroup.com

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]]> http://www.insurance-pennsylvania.com/videos/partners-of-the-weimer-group-presents-thrifty-car-sales/feed/ 0 How to Improve a Car Insurance Company's Offer? http://www.insurance-pennsylvania.com/answers/how-to-improve-a-car-insurance-companys-offer/ http://www.insurance-pennsylvania.com/answers/how-to-improve-a-car-insurance-companys-offer/#comments Sun, 18 Dec 2011 01:18:18 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/how-to-improve-a-car-insurance-companys-offer/

Someone hits my car while I parked on the street, the lady hits 2 cars. My car value is 11,000 (my car is one way) and the other car value is 2,000. The lady's insurance only cover up to 10,000. So I only can get 84% of the 10,000 (so i got $8461)

How I ask for more money?
I cannot claim my own insurance, b/c insurance only cover if i hit someone's car.

No cover on my car.

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]]> http://www.insurance-pennsylvania.com/answers/how-to-improve-a-car-insurance-companys-offer/feed/ 6 How Agent Get Commission in Auto Car Insurance? http://www.insurance-pennsylvania.com/answers/how-agent-get-commission-in-auto-car-insurance/ http://www.insurance-pennsylvania.com/answers/how-agent-get-commission-in-auto-car-insurance/#comments Fri, 16 Dec 2011 01:19:40 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/how-agent-get-commission-in-auto-car-insurance/

i have assignment to do and i need your help please. my project about auto car insurance. my question is, what are steps that agent need to get commission? and how he get it.
thank you.

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]]> http://www.insurance-pennsylvania.com/answers/how-agent-get-commission-in-auto-car-insurance/feed/ 1 Insurance Settlement and Disability Insurance Due to Pregnancy? http://www.insurance-pennsylvania.com/answers/insurance-settlement-and-disability-insurance-due-to-pregnancy/ http://www.insurance-pennsylvania.com/answers/insurance-settlement-and-disability-insurance-due-to-pregnancy/#comments Tue, 13 Dec 2011 13:17:59 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/insurance-settlement-and-disability-insurance-due-to-pregnancy/

I am currently receiving a check every month from my mom's car accident settlement, but now i have to take maternity leave because I am pregnant. Will this affect my eligibility for the ? and where on the EDD form do i report this income?

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]]> http://www.insurance-pennsylvania.com/answers/insurance-settlement-and-disability-insurance-due-to-pregnancy/feed/ 1 Do I Need to Buy Additional Car Insurance When Renting a Car? http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-additional-car-insurance-when-renting-a-car/ http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-additional-car-insurance-when-renting-a-car/#comments Sun, 11 Dec 2011 01:18:49 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-additional-car-insurance-when-renting-a-car/

I have full coverage with State Farm but I wasn't sure if I had to purchase additional insurance when I rent the car or does my policy handle renting a car? I have full coverage right now and I will only need the car for the weekend.

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]]> http://www.insurance-pennsylvania.com/answers/do-i-need-to-buy-additional-car-insurance-when-renting-a-car/feed/ 8 Can a Car Insurance Company Change There Rate After a Policy Is Paid for in Full? http://www.insurance-pennsylvania.com/answers/can-a-car-insurance-company-change-there-rate-after-a-policy-is-paid-for-in-full/ http://www.insurance-pennsylvania.com/answers/can-a-car-insurance-company-change-there-rate-after-a-policy-is-paid-for-in-full/#comments Thu, 08 Dec 2011 01:19:26 +0000 Pennsylvania Insurance http://www.insurance-pennsylvania.com/answers/can-a-car-insurance-company-change-there-rate-after-a-policy-is-paid-for-in-full/

Was quoted a rate which was agreed on and paid for in full proof of insurance was sent to my bank and car dealership. However, I had to back out of picking up my new car on sunday because I got a call from my insurance company late friday night with the end result of a new rate was 132% more than the negotiated rate the night before.

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