Monthly Archives: May 2020

Car insurance tips for teenage drivers in Bethlehem, PA

Posted on by

Your teenager’s sixteenth birthday can be a much-feared or much-anticipated day, depending on whether you are the parent of the teenager. It is a time when teenagers look forward to hitting the Bethlehem, PA roads. While a driver’s license could be their rite of passage, your teenager will still need something else, which is more essential and critical for their safety–An auto insurance policy.

If you’re worried about your teenager’s safety on the roads, you can always speak to us at Saucon Insurance Agency, and we will help you teach your teenager about safe driving and which coverages to purchase to protect them.

When it comes to buying insurance for your teenage driver, you have two options. You can either add your teenager to your auto policy or get them a separate policy. While adding them to your own policy only increases your rates a little more than double what you are paying, it is much cheaper than buying a brand-new auto policy.

Enquire about multi-policy discounts

Most auto insurance companies in Bethlehem PA offer discounts if you buy multiple policies from them. For instance, if you have a home, boat, life, and car insurance from the same provider, the company can offer various discounts based on your limits. As you shop around for the best deals, enquire about discounts for multi-policy.

Get an old safe car for your teenager

older cars come with many benefits. They are not only less expensive, but also tend to carry affordable insurance. Safe cars lower your insurance premiums as they are less likely to cause accidents.

Above all, educate your teen.

Having some of these conversations about insurance is critical in helping teenagers stay safe and become more responsible. Let them know that the more accidents they get into, the higher their insurance rates. Violating auto insurance and roadside rules can lead to license suspension and penalties.

Keep your teenager safe on the roads. Contact Saucon Insurance Agency if you have any questions, and our team will be happy to get back to you.

Does Home Insurance Cover Dog Bites?

Posted on by

If you are a pet owner, you may love to share your friendly pet with neighbors and friends at a neighborhood barbecue or afternoon walk. However, if your dog becomes spooked and bites someone, you could be on the hook for a lot of money. Fortunately, many home insurance policies cover dog bites, even some that don’t occur on your property. Your agent at Saucon Insurance Agency in Bethlehem, PA can help you determine whether you are currently covered for dog bites.

Dog Bite Insurance Coverage

Dog bites fall under your liability coverage unless the breed of your pet is on an exclusion list. For example, pit bulls account for about 63% of complex bite wounds and appear on the excluded breeds list of many insurers. Rottweilers and Dobermans also appear on most exclusion lists because they are perceived as dangerous.

Your insurance agent can explain how your dog bite coverage works. You may be covered up to your policy limit or a percentage of your limit, depending on how the insurer writes the policy. Your coverage may also include legal costs and settlement amounts related to a case that goes to court.

Read the Fine Print

Some insurance companies may only payout on one claim per animal. If your dog has already bitten someone, the insurance company may consider it to be dangerous and uninsurable. This means that you would be on the hook for expenses if your dog bites anyone else. 

Where Are You Covered?

If your dog bites someone at the park or during a walk around the neighborhood, your home insurance policy may have you covered. Ask your insurance agent to double-check if you aren’t clear on the language in the policy. 

Contact Saucon Insurance Agency about your home insurance needs in Bethlehem, PA. We’d be happy to make sure you and your pet are covered in the case of dog bites and other perils.