Tag Archives: auto insurance

How to Avoid Auto Insurance Mistakes in Pennsylvania

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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.

How To Prevent Auto Insurance Cancellation

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When it comes to auto insurance coverage, your insurance representative at Saucon Insurance Agency serving Bethlehem, PA wants you to know how you can avoid cancellation. Knowing that your auto insurance is firmly in place offers a sense of security that can’t be replaced by anything else when it comes to protecting your vehicle. Here are some important tips for preventing auto insurance cancellation.

Timely Payments

One of the most common reasons for policy cancellation is nonpayment. Setting up automatic payments or reminders can help avoid missed due dates, especially if you’re going to be traveling and might forget a due date. If financial difficulties arise, contacting the insurer before a missed payment may allow for alternative arrangements.

Good Driving Record

Everyone has difficulties from time to time. You might get a parking ticket or have a fender bender. But frequent accidents, traffic violations, or DUI offenses can lead to policy cancellation, so if you have a problem with any of these, it’s important to take steps to avoid risky behaviors like drinking and driving, speeding, and others.

Avoiding Insurance Fraud

Providing false information on an insurance application, exaggerating claims, or failing to report vehicle modifications can lead to policy cancellation.

Meeting Policy Requirements

Some policies require specific conditions, such as maintaining a valid driver’s license or keeping continuous coverage. Letting coverage lapse, even for a short period, can result in cancellation.

Preventing Cancellation

Before things get to a point where you face the possibility of auto insurance cancellation, talk to your insurance representative at Saucon Insurance Agency serving Bethlehem, PA for help. Discussing your options with an insurance provider can help find solutions before a cancellation occurs, which is something you do want to avoid at all costs.