If you live in Bethlehem, Northampton County, or anywhere else in the state of Pennsylvania and want to drive a car, you must have auto insurance. Pennsylvania state insurance laws require you to carry a minimum amount of bodily injury and property liability insurance to help cover any liability you may have to other people should you be involved in an accident.

The required minimum coverage of $15,000 for one person and $30,000 for all people in a single accident may be adequate for minor accidents, but hardly enough if you get involved in a major accident where many people are hurt. If, for example, you hit a public transport vehicle like a city bus, your liability could soar into the millions.

Injuries caused to people on public transport are covered up to the limit of your liability coverage on your personal auto insurance policy. If your liability coverage is not enough to pay for any valid claims filed against you, your Bethlehem house and all of your personal assets could be at risk.

Car liability insurance covers any accident, whether it is to a public transport vehicle, a commercial truck or a passenger vehicle. The big issue is whether or not you have a sufficient amount of liability coverage, especially if you are found to be at fault in a major accident that injures or kills many people.

As your independent agent, we always stress the importance of having the right amount of auto insurance coverage. You should consider the consequences of not having enough liability insurance to cover major accidents with multiple injuries. Not only could your home and other assets be put at risk, but you may even have to make payments for years to compensate the accident victims for their injuries.

Please give us a call and an independent agent will be happy to review your policy and see if you are property insured and well-protected just in case an accident happens.

When you are shopping for car insurance that will keep you covered in Bethlehem, Pennsylvania, you don’t have to look with just one company. You can visit a comparative site and consider multiple options when you browse for insurance online with your independent insurance agent.

Benefits of Comparing Car Insurance Companies

Like with any product that you buy, expanding your options increases the quality of the insurancepolicy that you end up with. This is why it’s more convenient to browse through numerous companies at the same time rather than looking up insurance companies one at a time.

When you compare car insurance policies online, it makes it easier to determine which companies offer the best rates, which companies offer the forms of coverage that you need, and which companies have the best perks for drivers. Comparing car insurance companies in one place makes it easier to take advantage of loyalty programs, discounts, and introductory offers.

How an Independent Agent Can Help

Don’t visit the website of a major carrier if you are looking to compare insurance quotes. The website of a single insurance company will only contain information that is flattering to their insurance products, but will leave you with little information for comparison. Instead, stick with the website of an independent agent who is authorized to carry insurance policies from multiple providers so that you can make the best choice. When you visit your independent agent online, you will immediately gain access to information on high-quality insurance providers in Northampton County.

However, a website is only a tool, and sometimes it doesn’t tell you the full story or provide all of the information you need. If you are comparing auto insurance policies online and still need help finding a policy that fits your needs, don’t hesitate to call us today to speak with an independent insurance agent.