As a commuter, business owner, or resident of Bethlehem, PA, obtaining and maintaining the right auto insurance policy is critical year-round. Avoiding potential insurance mistakes can save time, frustration, and financial losses. At Saucon Insurance Agency, we’re here to help you protect and preserve all of your vehicle investments, regardless of their daily use.
Common Auto Insurance Mistakes in Bethlehem
Some of the most common auto insurance mistakes in Bethlehem include:
- Only Selecting Minimum Coverage: While Pennsylvania requires minimum liability coverage, these policies typically do not provide enough coverage for major accidents. State minimums in PA are $15,000 per person, $30,000 per accident, and $5,000 for property damage coverage. For serious or life-threatening incidents, these policies are often inadequate.
- Not Adding Uninsured Coverage: Neglecting to add uninsured/underinsured motorist coverage to your policy can leave you financially responsible if you’re involved in an accident with a driver who does not carry active insurance.
- Ignoring Deductibles: While a high deductible saves on monthly costs, it will result in higher out-of-pocket expenses after an accident. Conversely, a lower deductible means higher monthly premiums but provides more coverage when you need it most.
- Ignoring Discounts: Bundling policies, good student discounts, safe driver programs, and vehicle safety discount programs may be available depending on your vehicle and lifestyle.
- Allowing a Lapse in Coverage: Failing to maintain continuous coverage can result in fines, suspension of registration, and potentially higher premiums in the future.
Avoiding auto insurance mistakes is essential anytime you get behind the wheel in Bethlehem. From minor fender benders to major collisions, it’s essential to have the right coverage for optimal protection at all times. To learn more about auto insurance options and how to avoid mistakes when selecting a policy in Bethlehem, PA, contact Saucon Insurance Agency to schedule your initial consultation today.