If you are driving down the street in Bethlehem, Pennsylvania and slam into a telephone pole because of a break fail, your full coverage auto insurance policy will pay to have your car repaired. If the accident in Northampton County was caused because your brakes failed when you tried to stop, it is unlikely that single incident will cause your credit score to drop.

While it is true that your credit score is one of the factors used by your auto insurance company to set the premium on your policy, it is also true that the score is more affected by the number of accidents you have rather than the reason that caused the accident.

So, if you take your car down to your local Bethlehem mechanic and get him to certify that your brake pads were worn or you did not have enough brake fluid in your cylinder that is not going to have an impact on whether or not your credit score will drop down or move up a few points.

In fact, your failure to properly maintain your car is most likely the reason that you had brake failure. Your insurer may consider the fact that you are irresponsible about maintaining your car in safe operating condition and consider you to be a higher-risk driver. From another viewpoint, if you can prove that somebody sabotaged your auto by cutting the brake line, then, your auto insurer will not put any negative mark against your credit score.

As your independent agent here in Northampton County, Pennsylvania, we understand that you are concerned about getting a lower credit score and having it result in a higher insurance premium bill to pay. Rest assured, Insurance companies use insurance credit scores as only a small part of their overall risk assessment process when writing a policy.

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.

Obtaining a driving license is important if you want to operate a motor vehicle in Bethlehem, Pennsylvania, but it does not necessarily mean that you are not able to obtain insurance for a vehicle you purchased before you get a license. If you have a driver’s permit and you own the car, then you may be eligible for auto coverage.

Variation between Companies

Since it is illegal to drive without a permit or a license, different companies will have a different policy when you want to obtain coverage. A person may be eligible to protect the vehicle and other drivers, but the company may determine that coverage is not possible until after a legal permit or license is obtained.

Drivers with a permit must have a licensed, adult passenger in the vehicle when they are driving. However, a permit may allow you to obtain coverage in Northampton County.

Comparing Options

If you have not yet obtained your driving license, then you should get a license before you purchase a vehicle. Companies can deny coverage if you are not licensed or can require proof of a license or permit before providing coverage. Compare your insurance options carefully before you decide that the company is appropriate for your needs. It will help ensure that you are not over-paying to protect your personal assets and finances.

Obtaining a car before you have a license may require you to look for coverage for other drivers until you are able to obtain the license. Although you may be able to find a company that will cover the vehicle, you may be required to have another licensed driver operate the car until after you’ve obtained a state license. To learn more about state laws and coverage options, call us to talk to an independent agent.

If you use your vehicle to shuttle paying customers around Bethlehem or Northampton County, you will need to upgrade your auto insurance. When you use your vehicle for business, you not only have to comply with Pennsylvania laws, but you also have to get the right type of insurance to cover the loss that you could incur while using your vehicle as a taxi cab.

What Type of Coverage You Will Need

If you don’t upgrade your insurance, you could find yourself at a major loss if you get into an accident while you are using your vehicle to provide taxi services. If your insurance company catches on that you are engaged in commercial activities when you get in an accident, they will reject your claim outright, leaving you to foot the bill for any damages or medical costs that you incur.

Commercial insurance is a special form of coverage that addresses the risks that you will face when using your vehicle for business. It includes liability coverage that will cover the injuries to your customers and shield you from any lawsuits that may arise following an accident. Commercial insurance also includes physical damage coverage to cover the damage to your car that is caused by a collision. This crucial form of coverage ensures that a wreck won’t put you out of business.

How an Independent Agent Can Help

The levels of coverage available to commercial drivers may vary between insurance companies. This is why it helps to shop with an independent agent. We carry insurance policies from multiple carriers so that you can compare the merits of different policies side-by-side. To learn more about obtaining the right type of insurance for your car, contact us today to speak with an independent agent.