Category Archives: Auto

Choose Body-Borneman as Your Car Insurance Provider in Pennsylvania

Body-Borneman is able to offer very competitive rates due to their partnership with multiple insurance providers. The specialists at Body-Borneman insurance take pride in finding the best auto insurance for your needs.

Insurance providers offer different rates for different circumstances. Family cars usually have a lower price than sports cars, for example. Their insurance consultants will analyze your situation, the make, model and year of your car and your driving record. This is the type of information that will allow them to calculate how much the insurance providers will charge you. Depending on your situation, the consultants will find the right auto insurance provider to cover your needs.

Accidents

Over 280,000 people were involved in auto accidents in 2015 in Pennsylvania. Protecting yourself and your loved ones is of the utmost importance. We all know that car insurance is an unavoidable necessity. It’s the law to have liability insurance. Accident insurance is often considered a “nice to have” option, but rarely taken. It’s more money to have general accident insurance, but with the sheer number of accidents in Pennsylvania alone, it’s much more than nice to have. It’s critical to have auto accident insurance on top of your liability insurance.

Body-Borneman insurance consultants will work with you to find the right general insurance for you at the right price. You shouldn’t have to spend a lot of money if you have never caused or been involved in an auto accident before. They will get you quotes from all the best insurance providers like All State, Progressive, State Farm, and others.

Proven Track Record

Body-Borneman’s commitment to customer service goes back as far as 1962. With 5 offices in Pennsylvania, they are always there to help and advise their clients. It’s that kind of customer service that makes clients stay loyal to them. Some clients have been with Body-Borneman insurance for over 20 years without complaints. The most common thing their clients say about them is how easy they make everything.

54 years of exemplary service to their clients is definitely and impressive track record. Keeping their clients safe and sound is what they do.

Classic Car Insurance

Ford Mustang is the American dream car. The rumble of the engine and slick look makes it a favorite among Pennsylvanians. Since most classic cars are older models, they don’t have the same up-to date safety systems in place as the newer models. That makes them more of a risk on the road than the newer more safety conscious vehicles. Auto Insurance providers will gauge the level of risk that your classic car has on the road and will charge you a higher rate for insurance.

Insurance providers look at things like airbag safety, tire quality, crash test reports, handling and many other factors when deciding how much to charge you for insurance. The insurance consultants at Body-Borneman will help you navigate this myriad of options to get you the best insurance for your classic car.

Deductibles

Insurance policies vary depending on how much they expect you to spend if your ever file a claim. Deductibles can vary depending on the type of coverage you’re claiming against. A deductible is an amount of money that you have to pay toward repairs before your insurance provider covers the rest. The insurance consultants will find the lowest deductible for you based on your circumstances. They will also take the time to explain the different options to you before making your final decision. It’s that kind of personal service that sets Body-Borneman apart from it’s competitors.

Auto-Insurance Claims

Only licensed insurance brokers can make insurance claims from insurance providers. It helps things go much smoother than if unlicensed people try to navigate the many forms needed to file a proper claim. The process for filing an auto-insurance claim is relatively simple and straightforward, however. You file a claim with your representative at Body-Borneman insurance. Tell them exactly what happened and give them all the details to the problem. From there a claims adjuster will take over the claim and fill out all the necessary documents for you. Their goal is to offer a prompt, painless and fair claim resolution with the insurance provider.

Here is some of the information you will need for your claim:

  • Name of the insurance company of the registered owner of the car and their insurance policy number.
  • Make, model, year, registration number and license plate number of the vehicle.
  • All details concerning the accident:
    • Driver’s name and driver’s license number
    • Date, time and location of the accident
    • Names of injured parties, description and extent of any injuries
    • Number and names of any passengers involved
    • Extent of damage to the automobile
    • Describe the accident and how it happened
    • Contact information of the other drivers including the names of their insurance companies
    • the license plate and vehicle identification numbers of the other vehicles

Introduction to Jet Ski Insurance

On the off chance that you claim a plane ski or wanting to purchase a plane ski then I am certain you needn’t bother with an intricate direction on the best way to play around with your own special plane ski. Be that as it may you will require an intricate clarification about the less fun piece of owning a ski. On the off chance that you are as yet pondering what it may really be then permit me to bring you into the entire new universe of Jet Ski insurance. Plane Ski protection is a significantly more essential matter contrasted with the time you will really be spending riding your watercraft. In the event that you don’t get this right then it may suck all the happy times you are about have with your vehicle. The purpose behind this extremely straightforward, on the off chance that you have watched the coast where the vessels and skis are moored, you will acknowledge one thing instantly, the quantity of watercraft has expanded.

This implies expanded measure of activity close to the coast and expanded odds of mischances. Ski is maybe the most regular watercraft that has been included in countless in the most recent couple of years. This is for the most part on the grounds that the Ski is a quick vehicle and for tenderfoots it is extremely hard to control it in the event that they go over any snag prompting unavoidable impact with a pontoon or other Jet Ski insurance. Keeping in mind the end goal to ensure yourself furthermore your venture you have to purchase a decent protection strategy.

Plane Ski protection is somewhat not quite the same as some other watercraft protection. Essentially there are two protection strategies for this watercraft. The first is the exhaustive Jet Ski protection arrangement, it gives money related scope against mishaps, harm because of vandalism, harm because of flame furthermore covers your watercraft against burglary. This is the fundamental type of protection approach that you have to buy before taking it to the water. The second kind of protection arrangement is known as the outsider obligation approach. This essentially ensures you by covering the money related costs if you somehow happened to bring about harm or harm to other’s property. This is particularly required on the off chance that you expect to lease your ski.

Dissimilar to other watercraft protection strategies the Jet Ski protection strategy accompanies a higher premium rate. With a specific end goal to diminish your quote you have to tail some fundamental principles, for example, keeping your vehicle in a secured situation like in a carport when not being used. This will permit you to get your approach at a low quote particularly when you apply for burglary protection arrangement.

Cheap Full Coverage Auto Insurance

You may be confused with the number of auto insurances available in the market. So it’s important for you to go through its minute details before you take a decision on the kind of car insurance policy you want to buy. A cheap full coverage auto insurance is one of the options you can take a look at. Such insurance coverage covers not only the medical expenses which you will have to pay if you meet with an accident, but it will also cover the cost of repairing your vehicle and liability lawsuit expenses. Moreover, in case you meet with an accident where the other party is uninsured, still you get the money to cover your expenses. There are several cheap full coverage auto car insurances available in the market, wherein you don’t need to pay high amounts as premiums to protect yourself from the consequences of a mishap.

Cheapest Full Coverage Auto Insurance Policy

If you go for this type of insurance, the company pays for the claims made, besides the legal fees which you will need to pay in case another person has been injured or killed in the accident. Not only that, it also pays for the damages which may have been caused to someone else’s property. Moreover, if you have opted for a comprehensive or collision insurance, then you can think of dropping them and instead opt for full coverage auto insurance. That’s because the amount which you would pay for a full coverage auto insurance, would be considerably lower than both these insurance taken together.

To find out cheap full coverage auto car insurance policies, you need to search for it. There are several factors which insurance companies consider while giving you an insurance cover and according to which the premium and the period varies. Your gender and age will also be taken into consideration. One of the most important things which the insurance company takes into consideration is how old your vehicle is. In case your vehicle is quite old, then you will need to pay a higher premium, which may be considerably higher than the market value of the car. On the other hand, if your car is new, it’s a better idea to go for auto insurance that offers full coverage.

Extent of Coverage

Once you have got an idea of the benefits of cheap full coverage auto insurance and the things which an insurance company considers, you need to do your homework well before buying the policy. You need to get quotes for auto insurance offering full coverage from several service providers so that you get an idea of what is on offer. Search for things like premiums which you have to pay, the kind of injuries covered, coverage for your vehicle, whether it covers lawsuit expenses, etc. You need to ensure that in case of a major accident you will have enough money to pay for all the expenses.

For the best deal, you need to go through all the quotes and see which suits you best. There are several insurance companies who are happy to provide you details of what they offer. After all, they too need more customers to increase their revenue. Make sure all the policies have same amount of coverage, so that you get a clear picture of what all of them are offering.

See to it that the quotes provided also cover for your loss in case of an accident as well as due to theft and fire involving your vehicle. It’s only if it contains these features that your insurance coverage can be called full coverage.

So, a cheap full coverage auto insurance gives you a great opportunity to not only cover the cost of repairing your vehicle in case of an accident, but it covers your medical expenses as well. Whenever you think of going for it, speak with your financial adviser, to know all the pros and cons of buying one.

Car Insurance for Women

Whether you are a woman or a man, legally all drivers are required to have an insurance coverage for their vehicle. There are many auto insurance companies that provide insurance. Generally, the premium rates of vehicular insurance depend on factors such as age, driving record, and credit scores. Some companies may also check how often an individual uses his car. A full-time student with good grades is likely to get a car insurance at discounted rates.

Car Insurance

Car Insurance is Cheaper for Women: Myth or Fact?

Yes, it is true that the monthly premium for vehicular insurance, for women, is less and above all they are likely to get a discount of at least ten percent on the entire auto insurance premium. Here are a few reasons why women get a better deal on auto insurances than men.

Auto insurance companies provide low premium rates to women. This is because studies have shown that women are safer drivers and are less prone to road accidents.

Statistics show men have a taste for expensive cars. The spare parts of these cars are expensive to replace in case of damage or theft. This could be another reason why women get a better vehicle insurance deal than men.

Women use their cars mostly to run errands, pick up their children from school, or to go out for work. Hence, on an average the mileage covered by women drivers is less. It is a general belief that it is men who drive on a long trip. Hence, they have to pay higher rate of premiums.

Car Insurance for Women: An Overview

There are many firms that specialize in insurance for women drivers. In recent times, insurance companies that have policies designed specifically for women have been a big hit. They seem to understand the thought process and spending habits of women. Hence, the policies are designed to secure the best rates by providing good discounts.

Most insurance companies also have online brokers to help potential women customers. A woman driver could check out the rates offered by various companies online, before making a final decision. The rates can also be calculated using online insurance applications.

Many companies offer incredible discounts when a vehicular insurance policy is purchased over the Internet. However, before purchasing a policy over the Internet, check out the authenticity of the concerned company. This could be done by inquiring with friends, consulting a car insurance broker, or even reading up reviews about the policy.

Women who are not comfortable with the idea of purchasing insurance over the Internet, can call up insurance agents. All doubts regarding the insurance policy can be clarified with the agent over the telephone.

Car Insurance Companies: Coverage Options

The policies offered by vehicle insurance companies cover a number of options such as breakdown cover, collision coverage, comprehensive coverage, property damage, and many more. Let us take a look.

Breakdown Cover
In case the vehicle breaks down, the insurance company will provide assistance to complete the journey. It will also undertake the repair of the vehicle and see that the car is delivered home safely.

Damage to Property
Some policies have an option called “property damage”. If a car driven by a woman causes damage to someone’s property, this option will take care of the expenses incurred to repair the damages. It will also provide for the legal defense, in case, the other person files a lawsuit against the driver.

Comprehensive Coverage
This coverage has dual function. This would not only pay for the expenses of the damages caused by a woman driver but also offer cover for unforeseen natural calamities such as storms, snow, wildfires, and so on.

Collision Coverage
Almost all car insurance companies provide this option. This option is a must to avail an auto loan. Collision coverage pays for all the expenses incurred if the car is badly damaged in an accident.

Liability Coverage
In case of an accident, if a third person is hurt fatally or seriously or if there is damage to property, then this option would protect the woman driver. However, this option does not cover the medical expense of the driver or the garage expenses of the car. In brief, this option would include the medical expense of everyone, other than the owner of the car.

The other coverage options offered by car insurance companies include uninsured motorists where the car owner gets the insurance if the accident is not her fault and also if the other motorist is not insured, and rental car coverage.

It is advisable to understand the benefits of the policy one is planning to purchase beforehand. Car insurances are cheaper for women as long as they possess a clean driving record. If the frequency of speeding tickets is high, then the insurance amount is likely to be high. In extreme cases, such as driving under the influence of alcohol or drugs, the premium rates will definitely be higher. In some cases, it would also be difficult to get an insurer.

Cheap Car Insurance for High Risk Drivers

Do you know how insurance companies label high risk drivers? The procedure starts when the insurance provider sits down with the applicant and starts asking question related to his/her driving records. These questions help the insurance provider to decide whether or not the individual is a high risk driver. Does the driver have too many traffic violations? Was he/she involved in accidents? Was he/she involved in a verbal or physical fight with the cops on the highway or near his/her car? These and many more questions are asked by the insurance provider before giving you a final nod on car insurance. An individual who speeds frequently is also termed as a risky driver.

Car insurance for such high risk drivers doesn’t come cheap. However, if you do a little research before paying the extra cash, there’s a possibility that you may get a good deal on the insurance quote even though you’re a high risk driver.

Affordable Car Insurance for High Risk or Bad Drivers

Cheap car insurance for high risk drivers is something that many people are looking for. The reason that people need such type of insurance is because they have been involved in some kind of road trouble. This is enough for any insurance company to label him/her as a bad or high risk driver, and this directly increases the rate of the insurance. However, there are many ways by which the price can be lowered.

Drive Well
The best way to reduce the high price rate is to ensure that the risk is reduced. Take a look back at what went wrong; may be you didn’t have car insurance when you got into trouble, may be you were caught by the cops under the influence of alcohol or drugs or you broke traffic laws.

Comparison of Insurance Quotes
If you want the best deal on a less price, you really have to make sure to check out all the car insurance companies in the market and see which one offers the best deal. The best way to do that is to go online and see the various quotes provided for risky drivers. Just go on the website and fill in all the required details which helps you calculate the risk. If you are at a higher risk, then the quote could be higher but this also depends upon the company.

Consider Getting the Minimum Auto Insurance Coverage
If you really want to save money on car insurance, consider getting the minimum insurance coverage in your location. You can go for the 3rd party car insurance for liability purposes; this means that if you get involved in an accident and are responsible for its cause, your insurance will be able to reimburse the other party for the damages it has caused.

Inquire About Discounts
Most car insurance companies provide discounts so that they can allow their customers to get maximum savings on their policy. However, many people don’t bother about these discounts and end up paying more money. So it is necessary that you always ask about available discount schemes and get eligible to additional savings. Taking up discount offers can make expensive insurance policies affordable.

It should be noted that not all bad car drivers can get car insurance at a cheaper rate. If you have a history of irresponsible driving then be sure that the insurer will make you pay more for the policy. Getting inexpensive car insurance is all up to you in the end. Be a responsible citizen of the country and obey the driving laws so that you can get a good car insurance policy at a cheap rate.

How to Buy a Boat Insurance

As a boat owner, you must be thrilled to own a brand new recreational vehicle which you can use for fishing and cruising to your favorite holiday destination. What a lot of people don’t realize is that getting an insurance is vital, since, like any other means of transport, boats can also fall prey to damage or theft. Boat insurance is a must and will save you thousands of dollars in property damage. It’s not just your boat that’s prone to a mishap, but in an unfortunate event you may run into another boat or even the dock and damage them. In such a case, having insurance will help you pay off for the damages that have been caused.

Boat Insurance Buying Tips

Insurance Quotes
Before you begin hunting for an insurance company, check the length of your boat. If it’s 26 feet long or smaller, then you can buy insurance. More than 27 feet, and you have to go in for yacht insurance. Most insurance companies offer various types of insurance coverage specifically suited for jet boats, fishing boats, sailboats, personal watercraft, etc. Look up the yellow pages for the insurance companies listed that provide boat insurance, and call up several of them, asking for a quote. Ask a lot of questions to the insurance agent. Many people, after being involved in a boat accident, claim insurance, and are horrified to know that what they are claiming for is not covered in the insurance policy. Do not let this happen to you. A lot of companies also provide online insurance quotes.

Coverage
Once you get several quotes, go through them carefully. You must study and analyze each one in detail, so you know what all is covered by the insurance policy. Look for additional features like coverage for roadside assistance, fuel spill, fishing gear, wreckage removal, and on-water towing. You need to understand what and how much coverage does physical damage involve. You must provide information like your boat’s make and model, year of manufacture, any other related information to the insurance company. One of the most significant aspects of coverage is what type of Loss Settlement you decide upon. There are two types offered: Agreed Cash Value and Total or Actual Cash Value. If you total your boat, the insurance company will have to pay you the entire amount that’s declared in the policy, in the case of Agreed Cash Value. If you have opted for Actual Cash Value, the insurance company will only pay you the current value of your boat. Though Agreed Cash Value is more expensive, you must take into account factors like market depreciation in case of Actual Cash Value, which could mean a considerable difference between the price you paid for the boat and its current market value.

Premium
Premium is something a lot of boat owners have doubts about. Again this depends from one insurance company to the other. But there are a few pointers you can keep in mind if you want a low monthly premium. Your engine size makes a noticeable difference to the premium. The bigger the engine size, more the monthly premium you need to shell out. Does your boat have an outboard propulsion motor or an inboard propulsion motor? An inboard motor is more likely to catch fire, and hence the premium rates are likely to shoot up, as compared to a boat fitted with an outboard motor. Just like a defensive driving course lowers your insurance rates, a boating safety course will help in the same way, by bringing your premiums down. An insurance company may also look at your driving record. A spotless driving record might help you to gain lower premium on your boat insurance as well, as the insurance company will think of you as a relatively safe driver.

Insurance Company Customer Service
When you are calling insurance companies, try to judge which one is better based on their customer service. A couple of calls will help you decide where better service is being offered. At the same time, check whether the company’s services are available every day of the year. The chances of you being out on the waters is higher on holidays rather than on weekdays; and if the insurance company does not work on holidays, what is the use of buying insurance from them?

National Boat Owners Association
If you are not yet a member, think of joining the National Boat Owners Association. This organization has ties with some of the best insurance companies, and you can avail of better insurance rates and check out the useful services they offer, like boat financing, towing programs, and also provide up-to-date information on boating equipment and safety.

So to sum it all up, carry out an exhaustive study about the various insurance options available, and ask numerous questions to clear away all your doubts. If you are not satisfied with the answers provided, do not buy the insurance, even if the premium amount is substantially low. Ask friends and others you know who own a boat and also have insurance, for their guidance. After all a boat is a big investment, and you obviously want the best for it.