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.

Does your current RV insurance coverage provide protection for any cars or recreational vehicles you might tow? Before leaving on a trip, it is important to understand how your insurance company would process a claim for an accident involving a vehicle you were towing. If you do not know whether your current insurer would fully cover the claim, contact one of our insurance agents to go over your policy. They will help you make sure you have the coverage you need.

Covering What You Tow

Whether you RV coverage extends to what you tow behind the motorhome depends on your specific policy. If the coverage does not include towed vehicles, then you may find yourself paying for any repairs the vehicle requires. In some cases, auto insurance policies that include comprehensive and collision coverage will cover cars towed behind motorhomes. These policies do not provide coverage for boats, ATVs or other recreational vehicles you might bring on vacation with you, though. If you will be towing anything next time you head out for a trip, check your insurance policy to see whether it would be covered in an accident.

Going Over Policies

In many cases, the technical jargon of an insurance policy is difficult to understand. Comprehending everything is doubly complicated when trying to understand how two different policies, such as an RV and an auto policy, would cover an accident.

If you would like help reviewing your current policies, call one of our licensed agents in Emmaus, PA. They will go through each part of your RV coverage and explain how it would be applied in different scenarios. If you need additional insurance, they will gladly help with that too.

When shopping for boat insurance, just as when looking for homeowners, renters or auto insurance, there are many options available. These options will help you customize your boat policy so it meets your specific needs. We have made it easy to understand and select each of these options on our website, which makes getting quotes online simple.

The Non-Negotiables

As with any insurance policy, there will be some information our quotes finder needs to provide you with accurate results. This information is non-negotiable, in that you cannot select a different option. Some examples include:

• the type of boat you are insuring
• your boat’s location in Fullerton, PA
• the age of your boat

These are factors that cannot be changed, unless you move or purchase a different boat, but insurance companies must use when calculating rates.

The Negotiables

Once you enter this information, there will be several different options presented to you. Simply select the various levels of coverage that you want, and we will have a quote for you in just a few seconds. The various options you can choose from include:

• Your liability coverage
• Collision coverage
• Coverage for injuries to you and passengers on the boat
• Your deductible

If there are any options you do not fully understand, just click the link for more information. We have tried to explain each option clearly on our website, so you can feel confident purchasing insurance through it.

Get Coverage Today

We have strived to make purchasing boat insurance online as simple as possible, so that no one has an excuse to not be properly insured. Take the few minutes required to insure yourself, before there is an accident on the water and it is too late.