Auto Insurance

Looking for Auto Insurance in Wyomissing?

Spotts Insurance Group has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

Whether you live in Wyomissing, or any other part of Pennsylvania, when most people think about car insurance, they think about damage to their car. The truth is that car insurance covers much more than just your car.

Given the sheer amount of cars on the road and the distractions that drivers deal with every day, the chances of being involved in a car accident are high.

You’re at risk every single time you get into your car.

It’s important to understand what your coverage options are — not just for your car, but for you, and for people who may be injured by you.

Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could lose everything if you’re not properly insured.

What a lot of people don’t realize is that having great coverage doesn’t necessarily mean having higher insurance premiums.

Because Spotts Insurance Group is 100% independent, we can take your current coverage and compare it with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures to make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same and, while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

You need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you.  Then you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Important Auto Insurance Coverages

When you review your policy, you may see certain coverage and wonder exactly what it is and why it is on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This covers your car in the event that you damage the car itself as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc.

Comprehensive Coverage

This coverage protects your car in the event that there is damage by something that is not a fixed or moving object. For example, theft, vandalism, a rock cracks your windshield while you’re driving, you hit an animal, and so on.

Property Damage

Suppose you damage someone’s car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it is dangerous to carry liability limits that are too low.  We can help you determine what limits are right for you.

Uninsured & Under-Insured Liability

This coverage pays you in the event that you are injured by another party and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance the other people on the road around you have.

Common Auto Insurance Rating Variables

Age — Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.

Credit — Credit is a metric that has been used in insurance scoring for many years. The better your credit is, the more favorable your rates will typically be.

Car — The type of car, engine size, safety features, etc. are all factors in determining your rate.

Driving History — Your driving record and loss history play a substantial role in your price. If you have a questionable driving history, or multiple moving violations or accidents, chances are you won’t get a preferred rate until they are at least 3 years old.

Household — Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

How to get started with your car insurance quotes

If you live in Wyomissing and are looking for a car insurance comparison, Spotts Insurance Group makes the process of finding the best company and price easy.  We do all the heavy lifting for you!

To get started, call our office directly, or click here for a free, no-obligation express quote!

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