There are a lot of coverage options that you will want to consider as a student in Bethlehem, Pennsylvania. There have been a lot of changes that have been made by the Affordable Care Act, and they are going to impact you, whether you are an undergraduate or graduate student.

One of the first options that you have to consider is where you are going to get your insurance from. You may be able to get it from your school, by staying on your family’s plan, or as a single-payer plan. Each of these are options, and you will want to weigh the pros and cons of each, as well as the costs.

Another option is to consider the level of coverage that you need. You want to make sure that your basic medical care is taken care of, and potentially also vision as well as dental. You also want to look at how expensive it is going to be if you need to go to the emergency room for anything.

Even though you may be a healthy student, you have to look at the various options that are available for health insurance coverage. You want to make sure that your insurance is covering everything that you could potentially need so that you are spending less money out-of-pocket. This means you will want to explore the deductibles and co-pays with any policy that you end up getting.

At Saucon Insurance Agency, we are here to help you find health coverage as a student in Bethlehem. Call today and learn about some of the options that you have. We can provide quotes from multiple insurance companies across Pennsylvania and work with you to find a policy that makes sense for you and your budget, especially because you are a student.

Having a wedding in Bethlehem, PA many not be cheap, but getting married could save you money on your insurance policies. At Saucon Insurance Agency, we don’t recommend getting married just to save on auto or homeowners insurance. If you are marching down the aisle, though, there’s little reason not to save on your insurance premiums.

Many Insurers Offer Multi-Policy Discounts

One of the most common discounts that insurance companies offer is a multi-policy discount. Not all insurers will reduce your premiums for having more than one insurance policy with them, but many will. Since these discounts are often a percentage of your premiums, they can amount to a significant chunk of change.

While some individuals have multiple insurance policies, such as an auto policy, and a homeowners or renters policy, many people don’t carry more than one insurance policy when they’re single. Married couples, however, often have several assets they need to insure. If both you and your spouse drive cars, for example, you’ll each need an auto insurance policy. Once you’re married, many insurers will give you a multi-policy discount if you each purchase an insurance policy through them.

Independent Insurance Agents Find the Biggest Discounts

While many insurance companies in Pennsylvania offer multi-policy discounts, the amount you can save by having more than one insurance policy with one company varies greatly. The easiest way to see which company will give you and your beloved the best discount is to compare several policies with the help of an independent insurance agent.

If you don’t have a relationship with an independent insurance agent, contact us at Saucon Insurance Agency. You can reach us at any time through our websites, and we’d be happy to set you up with one of our agents who serve Bethlehem.

When you live in Bethlehem there is a lot that you can do to keep your pet safe during the summer. You may be home with your pets more often, and be doing more things with them. By knowing how they can be in danger with the heat and everything else that summer brings, you can be sure to keep them safer and healthier.

Some of the most basic tips you want to keep in mind include:

• Giving them regular access to water
• Putting them in a life vest when out on the water
• Using foot protection for their paws
• Keeping them indoors during the hottest parts of the day

You also have to remember that there are a lot of bugs in Pennsylvania, and many of them are in abundance during the summer months. Make an appointment for your dog or cat at the vet to talk about preventative medication for fleas and ticks as well as heartworm.

Overheating can happen to pets small and large. Many times, they become overheated because of not being hydrated sufficiently. You should always be aware of the signs and look for them regularly when your pets are outside. This includes a high body temperature of 103°F and above, dry gums, as well as excessive panting.

Some of the easiest ways to cool down your pet is by giving them a drink of water, draping a wet towel over them, and cooling down their feet. The summer can be fun, but it is going to be more fun when your pets are safe.

At Saucon Insurance Agency, we are able to answer all the questions you have about homeowners insurance in Bethlehem. Call us today and let us begin finding quotes from all of the top insurance carriers in Pennsylvania.

Oh, the things people don’t realize about us in Allentown, Pennsylvania. Most don’t know we are the third most populace city in the state or that we hid the Liberty Bell during the Revolutionary War. Hey, that’s pretty important right? We are a tough, hard-working community that has seen it all. We have had to adapt and re-create ourselves. Those who succeed here will continue to adapt and the future looks bright for them.

If you are a business owner in the Allentown region, you know you have to play smart. Every decision you make has an impact. Your decisions cost you or they benefit you. When it comes to your business insurance, we can help you make the right decisions.

We are independent agents in Allentown. That may seem like a simple statement, but what it means can save your company significantly. You see, agents who represent a single company can only sell the loss prevention products of the company they represent. They are called captive agents because they can only sell one brand of insurance. Some of these are solid companies with historic backgrounds, but they limit your choices. As an independent agency, we are not tied to a single provider. We offer the products of many differing companies, many of whom specialize in business and commercial insurance. This can mean better coverage at more affordable prices. At the very least, it provides you a choice.

Try us today. We offer comparative quotes online for homeowners and auto insurance on our website. If you like what you see, contact us for your business insurance. Let us show you how independent agents can help your Allentown business. We are confident we can help you save money.

By reviewing the 2010 U.S. Census, one can uncover that over 28% of the population in Fullerton, Pennsylvania have German heritage. You can also discover that there are 9 males for every 10 females who are 18 years of age and older in the area. Not earth shaking perhaps, but certainly interesting.

What could you uncover with a business insurance review? Well, like the Census, you could find a lot of details. Those details will fall into two major categories.

1. What your policy covers and for how much. A business insurance review will tell you how you are covered in cases of fire and water damage. It will let you know if you have loss of income coverage. It will clear up if you have coverage for theft, storm damage and vandalism. A review will let you know about your liability coverage. It will also let you know the limits for each particular loss. You can then decide if the coverage you have is sufficient in today’s world.
2. It will let you know if you are overpaying. After you get an insurance review, our independent agents can get quotes for your business insurance that will let you know if you are paying too much. Since we are an independent agency, we can compare with multiple companies, finding the best rates for you situation.

Saucon Insurance Agency is proud to serve Fullerton with personal and business insurance. A review of either will give you peace of mind and can very well save you money. We invite you to call us and get a no obligation, no cost review. If you prefer, visit our website and get a comparative quote on your homeowners or auto insurance.

We look forward to discussing your loss prevention needs soon.

Like all other states, Pennsylvania requires people operating motorcycles on its roadways to be financially responsible. To satisfy Pennsylvania's minimum motorcycle liability insurance requirements, you're required to carry $15,000 in bodily injury coverage per person, $30,000 of bodily injury coverage per occurrence and $5,000 in property damage coverage.

Insurance in a motorcycle wreck can be critical, particularly if you're liable. Do you really think this is enough coverage for you and a passenger or even just you alone? That's highly unlikely. The agent that sells you that minimum liability policy in 15 minutes isn't doing you any favors.

Pennylvania enacted the mandatory insurance law for a reason. There were just too many irresponsible drivers on the road with no insurance. Some people continue to ignore the law though. They continue to drive without any coverage. Through no fault of your own, you can be involved in an accident with somebody that ignored the law and never bought insurance. No matter how much liability coverage you have, it's not going to help you. Your independent insurance agent will show you other coverages available for you at little additional cost. That coverage rides with you should you get hit by an uninsured driver.

Medical bills from motorcycle accidents can be financially devastating. It might be quick and easy to get by with minimum policy limits, Your Pennsylvania independent insurance agent will caution you against just that, and show you how you're making a mistake. As opposed to a single "better" policy available, your independent agent can suggest different alternatives for you from several different insurers.

When you're riding, you want protection all around you, not just ahead of you. Go have a cup of coffee with your independent insurance agent. They're happy to talk about your coverage.

When you have access to several motorcycle insurance quotes, it's easy to compare various discounts offered by different insurance agencies. The main thing to remember about cheap insurance is that you need to discuss the fine details with our experienced agent who will explain valid methods that result in discounts.

One way to get a substantial discount that could add up to 15 to 35 percent off your premiums is to own multiple policies with our agency. If you already have a homeowners insurance policy with us, get a discount when you insure your motorcycle with our agency. Think about insuring your other vehicles with our agency so you can take advantage of receiving cheap motorcycle insurance coverage. Remember to insure all your bikes with our agency if you want to realize maximum discounts.

Ride your motorcycle for five years without getting into any accidents on the road, and you may learn that you're eligible for a discount. If you enjoy riding your bike with other motorcycle enthusiasts, join a motorcycle riding organization to get a 10 percent discount off your insurance premiums. If you're a farmer who belongs to the Farm Bureau, speak with our agent to find out if your membership qualifies you for a 5 percent discount. Volunteer to take a motorcycle safe driving class, and you may qualify for an additional 5 percent discount.

After you obtain and compare a few motorcycle insurance quotes, contact us to speak with our independent agents. If you think you're paying too much money for motorcycle insurance, and you're looking for cheap coverage, call us to set up an appointment with our representative. We're one of the local insurance agencies that takes pride in serving you with the type of customer service you expect.

When you're in the process of choosing a boat insurance quote, you may be overwhelmed with the many options presented to you by insurance agencies. Most people aren't too familiar with boat insurance, and when it comes time to choose one for their needs, they're unsure of where to start. By using this guide, you can better understand the boat insurance quote you're offered in Fullerton PA 18052. 

There are three areas of boat insurance you'll want to become familiar with to fully understand the coverage options offered to you. They include; coverages, deductibles, and coverage limits.

Coverages

Coverages are the area of coverage included in your boat insurance. There're two areas included within this, and they include property and liability. While liability is required in PA, property is not requited, but optional. However, by opting for property, you'll be covered in the event of damage to your property that you need to have fixed. 

Deductibles

Some insurance plans require a deductible, which means you'll have to pay a certain amount of money out-of-pocket before the insurance plan will kick in. The amount you're required to pay varies based on the plan and provider you choose, but the full cost of your deductible will be provided to you prior to agreeing upon you boat insurance plan. 

Coverage limits

Most insurance plans have what is known as coverage limits.Coverage limits are the amount of coverage your insurance plan will offer to you before you hit the maximum. For instance, your first boating accident may be covered under your insurance plan, but a second accident may only be partially covered because you reach your max coverage limit during that period. These limits typically reset annually. 

When you're riding down the blue water in your boat, the last thing on your mind is property damage. However, this can occur in the blink of an eye, and you'll be left to figure out the cost of repairs. When prop damage occurs in Bethlehem PA 18018, the cost of the damage is one of the first things that come to find. Secondly, you'll probably wondering if your insurance policy will cover the prop damage, and this is a very good question. In order to answer this question, you must first understand the basics.

Property damage can occur in a number of ways. Prop damage refers to damage that occurs that any piece of property that's outside of your own. For example, if you were to come in too quickly to the deck at a public lake and it were damaged, this is one form of prop damage. Another form would be hitting a boat while on the water. You'll have to cover the cost of the property damage, and you may want to turn to your insurance for this.

There are two areas that can be covered under your insurance quote. The type of coverage you have is dependent upon what you choose. Liability is one area of coverage you can opt for, and this includes damage to other people's property or injury to others. While liability is optional, you can save yourself a lot of money in the long run by adding this to your insurance plan and ensure you're protected should you come in contact with others property and need to pay to have the damage to it fixed. Get in contact with our agents today to find out how we can help you figure out the best options for you.

Saucon Insurance Agency clients sometimes ask if they really need homeowners insurance. Often this comes up when people realize that Pennsylvania doesn’t require home owners to buy insurance.

While it’s true that the state won’t make you buy homeowner’s insurance, your bank or mortgage lender may require it. Even after you’ve paid off your mortgage Saucon Insurance Agency strongly recommends you keep your insurance up-to-date. Here’s why:

1) Homeowners insurance protects your equity. You can use that equity for retirement, to buy a larger home or to pay for your children’s education among other uses. Why put it at risk due to property damage or an accident on your premises?

2) Homeowners insurance shields you from legal damages. Accidents happen and when they do people tend to sue. Homeowners insurance helps cover any liabilities you have. It can also simplify the legal process for you if the insurance company handles negotiations with a plaintiff.

3) Homeowners insurance provides some coverage away from home. If you have riders protecting certain valuables, like jewelry, your coverage stays in force even if the items are lost while you are away from the Bethlehem, PA area. And if your family includes students living away from home, the insurance company will cover property kept in a college or apartment.

4) Homeowners insurance provides flexible coverage. Saucon Insurance Agency can help you find home coverage that fits your needs. We can guide you through the complex riders and clauses that make up a policy to make sure your unique coverage needs are met and you don’t pay for any insurance that you don’t need.

We’ll also work with you to update your policy as your financial and property needs change. We’ll be your partner in protecting your home, your equity and your future plans. Contact Saucon Insurance Agency in Bethlehem to find the right insurance for your needs.