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Truck Insurance in a Driverless Truck World

Posted by David Ross on Thu, May 25, 2017

Driverless truck insurance considerations. Serving Reading, Philadelphia, Lancaster, Harrisburg, York, Allentown, Pittsburgh and beyond with affordable trucking insurance.Do you ever wonder how trucking insurance rates may be affected by driverless cars and trucks? Will there be less accidents due to driver error, or more accidents due to compurter error?

Imagine driving along the highway and glancing into the cab of an 18-wheeler as you pass it; you see the “driver” sitting back, relaxing, and looking down at his iPad, drinking a cup of coffee, and completely ignoring the road and the cars around him. Don’t panic! Hopefully, you’ve just witnessed a driverless (Aka autonomous) truck. No, this is not a scene from the Jetsons. It is a very real possibility.

The First Licensed Self Driving Semi Truck

In 2015, Daimler introduced the world’s first licensed self-driving semi called the Freightliner Inspiration. “The Freightliner Inspiration is a limited take on autonomy. The system will kick in only once the truck’s on the highway and up to speed, and then it will maintain a safe distance from other vehicles and stay in its lane. It won’t change lanes to pass slower vehicles on its own. If the truck encounters a situation it can’t confidently handle, like heavy snow or faded lane lines, it will alert the human that it’s time for him to take over,” according to Wired. While it’s true that the world isn’t quite ready for an autonomous truck, it is not outside the realm of possibility within our lifetime.

Truck Driver Shortages

Nearly 70 percent of the country’s freight is moved by truck, according to the American Trucking Association (ATA), and that number is expected to increase by 24 percent by 2022. As the amount of freight being shipped by trucks increases, the number of drivers continues to decrease. Currently, there is a shortage of nearly 48,000 truck drivers, which experts say may increase to almost 240,000 by 2023. So you can see why trucking companies may be intrigued by the idea of driverless vehicles.

Trucking Insurance Company Concerns

Commercial trucking insurance companies are also keeping their eye on driverless trucks. In the US, 330,000 large trucks were involved in crashes that killed nearly 4,000 people (most were in passenger cars) in 2012. According to the National Highway Traffic Safety Administration, 90% of accidents are caused by driver error. Eliminate risk factors like drunk driving, distracted driving, or falling asleep at the wheel, and claims payouts and premiums could go down drastically – at least in the short term.

In the long-term, there are still issues that vehicle manufacturers, fleet owners, and insurers need to  address. For example, a computer-operated driverless truck would be susceptible to hackers, which could include terrorists or others with malicious intent. What if an autonomous truck is involved in an accident? Whose fault is it? The truck owner or the vehicle manufacturer or the driver (if there is one in the truck)? Determining who is liable for an accident could become difficult, especially in the event of product recalls or faulty equipment.

When Will Driverless Trucks Become the Norm?

The truth is: the U.S. isn’t quite ready for a driverless truck. First, there’s a ten-year testing phase. Daimler has said, “It won’t be market-ready for a decade, and could never replace human drivers.”

But more importantly, U.S. infrastructure isn’t ready for it. According to the American Society of Civil Engineers, the US infrastructure grade for 2013 was a D+. Roads received a D. The government would need to invest millions of dollars to upgrade the infrastructure of three million miles of road to support driverless vehicles. According to Economic Analysis of Transportation US roads have poor markings and uneven signage, traffic lights that are aligned vertically, horizontally or “doghouse” style in two columns, and pavement markings with different degrees of reflectivity. These are issues that can make it difficult for driverless technology to adapt.

Economic Impact

There is also the issue of industries that rely on truckers’ business such as highway motels, gas stations, diners, and truck stops. Remove the drivers, and you remove their customers. The U.S. economy could be significantly affected by the replacement of drivers with machines. It will be interesting to watch how far and how quickly technology will change the trucking industry. In particular driverless trucks. 

Driverless or Not, We Have You Covered! Contact Us for the Best Truck Insurance Rates.


Contact us for all your trucking insurance needsRegardless of where the trucking industry goes in terms of driverless trucks, you can trust Amercican Insuring Group to provide smart insurance protection at a great price.

As independent agents we're free to shop among lots of competing insurance carriers. That means you'll get the best rate on quality insurance. To learn more about trucking insurance, contact us online or call us at (800) 947-1270 or (610) 775-3848.

Tags: Driverless Cars and Trucks, Affordable Car Insurance, truck insurance, Trucking Insurance

What is Commercial Auto Insurance?

Posted by David Ross on Tue, Sep 22, 2015

Commercial auto insurance and personal auto insurance are two completely different things – mainly because a commercial vehicle faces more risks and needs more protection than a personal vehicle.

PA Commercial Auto Insurance requirements defined. Serving the car insurance needs of Philadelphia, Reading, Allentown, Lancaster, Harrisburg, York, Lebanon, Erie, Pittsburgh, State College, PA and beyond.Commercial auto insurance is designed to protect you, your employees, your vehicle, your equipment, your business (in the event of a lawsuit), and other individuals. It has some of the same coverages as personal insurance, but usually includes higher liability coverage and additional add-ons not offered with personal auto insurance.

If you are conducting business in a vehicle that is only covered by personal auto insurance and that vehicle is involved in an accident, you risk having your claim denied.

State and Federal Insurance Requirements for Your Personal or Commercial Vehicle

Each state has different requirements, but nearly all of them require that any registered vehicle be covered by – at least – liability insurance, and some states require that you purchase uninsured motorist coverage and no-fault car insurance. Pennsylvania is one of those states, and these requirements – and often more - apply to your commercial vehicle.

If you transport hazardous materials or you transport goods or passengers from state to state, you are also subject to federal requirements for commercial auto insurance. For instance: a commercial vehicle carrying 16 or more passengers across state lines is required to have $5 million of insurance and a vehicle carrying less than 15 passengers across state lines is required to carry at least $1.5 million of insurance.

Often, you will find that insurance companies will only sell you policies that include coverage that is higher than the state’s minimum requirements for personal vehicles, because providing coverage for a commercial vehicle increases the risk. Plus, financial intuitions may require additional coverage.

Do you need commercial auto insurance?

If you own or lease a fleet of vehicles, you probably understand that you need commercial auto insurance, but even if you own just one of the following vehicles and use it for business purposes, you should have commercial vehicle insurance:

  • Trucks – dump trucks, refrigerator trucks, etc.
  • Vehicles outfitted with work equipment
  • Utility vans
  • Limousines
  • Taxicabs
  • Flatbeds

You might be surprised to learn that you should also have commercial insurance for a “regular” car, pick-up truck, or SUV if any of these circumstances apply:

  • You use a vehicle or vehicles for your profession or business (other than commuting to work)
  • The vehicle is owned or leased by a business, partnership, or other corporation
  • The vehicle is equipped with…
    • Snowplowing equipment.
    • Cooking or catering equipment.
    • Bathrooms.
    • Altered suspensions.
    • Hydraulic lifts.
    • Racing equipment.
  • The vehicle is consistently driven by you or your employees for both business and personal use.

Add-on insurance to consider for your commercial vehicle:

  • Collision: This covers your vehicle for damage incurred in a collision/accident.

  • Comprehensive Insurance: This covers you if your vehicle is damaged by something other than a collision, such as theft, fire, or vandalism.

  • PIP and medical payments coverages: Personal injury protection (PIP) and medical payments coverages help take care of expenses, such as the loss of wages, incurred when you and/or your passengers are injured in an accident.

  • Emergency roadside insurance: If you’re battery dies, you get a flat tire, need your car towed, run out of gas, or lock yourself out of the car, this insurance can come in handy.

  • Personal effects insurance:  This insurance covers your personal belongings in the event of a theft.

Contact Us for the Right Commercial Vehicle Insurance 

Contact us for all your commercial vehicle insurance needs in PA and beyond.If you want to protect your employees, your vehicle, your equipment, your business, and other individuals, give us a call at (800) 947-1270 or (610) 775-3848 or click here to contact us.

As independent insurance agents, we can help determine the right auto insurance at the right price for your vehicle by shopping among competing insurance carriers. Click or call today.

Tags: Car Insurance Harrisburg PA, Van Insurance, Car Insurance Lancaster PA, Commercial Vehicle Insurance, Car Insurance, Car Insurance Reading PA, Car Insurance Allentown PA, Car Insurance Philadelphia PA, Affordable Car Insurance, Commercial Insurance, Business Insurance

8 Auto Insurance Myths Debunked

Posted by David Ross on Tue, Sep 08, 2015

Car insurance myths. Learn more from American Insuring Group, providing auto insurance in Reading, Philadelphia, Allentown, Harrisburg, Lancaster, York, Lebanon, Pittsburgh, Erie, PA and beyond.Most drivers are aware that the rates they pay for auto insurance are a result of factors such as their driving record, the type of car, van, truck or RV they own, the distance of their commute, and various demographics like their age and gender.

But there are also lots of myths about vehicle insurance that, in some cases, could end up costing them substantially more than the premium.

Let's shine the light of truth and dispel all 8 myths right now!

 

Auto Insurance Myth #1:
A Red Car is the Most Expensive to Insure

Although this myth has persisted for many years, there is no basis for it. The sticker price of your car, its safety record, the cost to repair it, and the likelihood of theft are all considered in the premium. The color makes no difference. Simply put, the premium on a silver Mercedes 260E will be higher than on a red Honda Civic.

Auto Insurance Myth #2:
Older Drivers Pay More to Insure their Vehicles

The truth is that senior drivers (usually 55 and over) have the opportunity for discounts that may not be available to younger drivers. Both AAA and AARP offer defensive driving courses for mature drivers. These may be taken online and, upon successful completion, could result in as much as a 10% reduction in your vehicle insurance premium.

Auto Insurance Myth #3:
When it Comes to Car Insurance, Credit Score is not Important

Actually, it is very important. Almost every insurance company uses a credit-based insurance score to determine eligibility and premium rates, and it is based, in whole or in part, on the information found in your consumer credit report. For most people, a good credit score will translate into lower insurance rates and vice versa.

Auto Insurance Myth #4:
If Your Car is Stolen, Damaged, or Vandalized, You Will be Covered

Not necessarily. Comprehensive vehicle insurance, which covers theft, vandalism, and an array of non-collision damages to your car, is optional coverage. Many drivers choose not to carry this on an older car as a way of saving money. Keep in mind that if a car is to be fully protected, both collision and comprehensive coverage need to be in force.

Auto Insurance Myth #5:
The Minimum Amount of Auto Liability Insurance Required by Law is Sufficient

State minimum liability requirements don’t come close to covering the cost of a serious accident. The old idiom “penny wise and pound foolish” applies here. Saving a few dollars a year on inadequate coverage may end up costing thousands more. Actual liability coverage limits should be four to six times higher than the state minimum.

Auto Insurance Myth #6:
If Someone Else Drives Your Car, Their Insurance Will Cover Them in an Accident

In most states, car insurance travels with the vehicle. So remember, if you’re loaning out your car, you’re agreeing to take responsibility for that driver. Your rates may be at risk if the driver has an accident.

Auto Insurance Myth #7:
Members of the Military Pay More for Insurance

This is not the case. In fact, many insurance companies offer savings to active members and veterans of the armed forces and their families. This makes sense since, statistically, members of all branches of the armed services are responsible, law abiding and safe – all traits that make them a lower risk.

Auto Insurance Myth #8:
Personal Insurance Covers Both Personal and Commercial Use of Your Vehicle

Proceed with caution here. If you are self-employed and use your vehicle under a personal policy, you risk having a claim denied. The rules that determine what constitutes commercial vehicle insurance vs. personal insurance use are complex. Make sure you are covered under the proper policy for your situation.


Get the Facts - Get the Best Car Insurance to Meet Your Needs and Budget

Contact us for the right PA auto insurance at the right price.Now that we've dispelled some common myths of auto insurance, give us a call to learn more at (800) 947-1270 or (610) 775-3848, or click here to contact us. We'll help you obtain reasonable premiums without sacrificing vital coverage.

We're independent agents who offer car insurance policies from competing insurance companies. That means we can find you the best insurance at the best price. We've been serving the vehicle insurance needs of Reading, Philadelphia, Allentown, Harrisburg, Lancaster, Pittsburgh, Erie, PA and beyond for over 25 years. Call today. 

Tags: Car Insurance Harrisburg PA, Van Insurance, Car Insurance Lancaster PA, Commercial Vehicle Insurance, RV Insurance, Car Insurance, Car Insurance Reading PA, Car Insurance Allentown PA, Car Insurance Philadelphia PA, Affordable Car Insurance

Reduce Commercial Vehicle Insurance Rates with Better Maintenance

Posted by David Ross on Wed, Aug 20, 2014

Commercial vehicle insurance can be affected by how well you maintain your vehicle fleetWhether your company owns one commercial vehicle or an entire fleet of vehicles, regular vehicle maintenance is one of the best things you can do to protect your employees, your property, and your business.

As a bonus, any time you reduce risk you reduce the chance of incurring an insurance claim, which ultimately can help lower your commercial vehicle insurance and other business insurance rates.

Here's How:

  • Regular maintenance can help prolong the life of your vehicle and allow it to operate more efficiently. 
     
  • Regular maintenance also helps ensure the safety of your employees and can help cut down on insurance claims.
     
  • Many state and U.S. regulations require a preventive vehicle maintenance program, including a structured record-keeping system.  Non-compliance of these regulations can lead to strict penalties, including hefty fines. 

 

Commercial Vehicle Compliance

Before initiating an internal vehicle maintenance plan, you should understand federal commercial vehicle requirements. Every year, the Commercial Safety Vehicle Alliance (CSVA) conducts approximately four million commercial motor vehicle inspections throughout North America.  These inspections focus on vehicle mechanical safety, traffic enforcement, cargo securement and regional rules and regulations.  Any vehicle with a gross vehicle weight rating of more than 10,000 pounds, including the weight of a trailer, may be subject to these random road checks. http://www.cvsa.org/programs/nas.php

Developing a Better Commercial Vehicle Preventive Maintenance Program

In addition to complying with federal regulations, it’s also a good idea to create a formal preventive maintenance program that includes a daily pre- and post-drive checklist.  This helps insure that drivers share some of the vehicle maintenance responsibility and that the day-to-day safety requirements are met. 

Where to Begin

A good place to start is the Federal Motor Carrier Safety Administration (FMCSA) website.  http://www.fmcsa.dot.gov/ FMCSA’s “A Motor Carrier’s Guide to IMPROVING HIGHWAY SAFETY” is a great resource.  It includes lots of information and record-keeping forms. http://www.fmcsa.dot.gov/sites/fmcsa.dot.gov/files/docs/ETA-Final-508c-s.pdf.

With a preventive maintenance plan in place and knowledge of federal and state regulations, your one commercial vehicle or your entire fleet will be ready for the road. 

Reduce Risk & Save Money with the Right Commercial Vehicle Insurance

American Insuring Group’s independence and high standards allow us to provide the best commercial vehicle insurance rates and high-quality insurance protection for your commercially used car, van, truck, or fleet.  Contact us at (800) 947-1270 or (610) 775-3848 to learn more.

 

Tags: Car Insurance Harrisburg PA, Van Insurance, Car Insurance Lancaster PA, Commercial Vehicle Insurance, truck insurance, Car Insurance, Car Insurance Reading PA, Car Insurance Allentown PA, Car Insurance Philadelphia PA, Affordable Car Insurance, Commercial Insurance, Business Insurance

What You Should Know About GAP Insurance for Your Car or Business

Posted by David Ross on Tue, May 14, 2013

GAP insurance refers both to Guaranteed Asset Protection and Guaranteed Auto Protection. In both cases it is designed to cover the difference (or gap) between the actual cash value of an asset and the amount still owed on the related loan or lease.  While, strictly speaking, GAP insurance may apply to any type of asset, the vast majority of GAP insurance policies are written for cars, trucks, vans, and other types of vehicles.

Why Bother With GAP Insurance?

GAP insurance advice as supplemental car or business insurance for Reading PA, Philadelphia, Lancaster, York, Harrisburg, Allentown, Pennsylvania and beyond.GAP insurance may be a wise choice in cases where a low down payment has been made, and on high-interest loans of 60 months or more. It is often offered by finance companies at time of purchase, and by auto insurance companies.  This loan scenario frequently applies to vehicle purchases, which is why the term “GAP insurance” most often refers to added insurance protection for a vehicle.

 

GAP Insurance Considerations When Buying a New Car or Other Vehicle

Cars, trucks, motorcycles and other vehicles are assets that depreciate rapidly in value. In cases where a low down payment is made on the initial purchase, it is common for the amount remaining on the loan to exceed the fair value of the car.  This is because cars often lose up to half their retail within 3 years from the purchase date, at which time the remaining loan may far exceed that amount. If your car becomes stolen or is totaled, the replacement value you receive from the insurance company may be far less than the amount remaining on the loan. In such cases a GAP insurance policy would cover the difference. If you would be unable to cover the difference without GAP insurance in such cases, or if this would represent a significant financial hardship, then GAP insurance may be right for you.

How to Get GAP Insurance for Your Vehicle

GAP insurance may be purchased from an insurance agent or through a car dealership. GAP insurance coverage is often financed as part of the loan or lease, and typically comes into play when a vehicle is subject to a total loss. Some finance companies require GAP insurance when financing a loan. 

How to Save on GAP Insurance

We suggest checking first with your independent insurance agent before signing a GAP policy related to a vehicle purchase. Your independent agent may be able to save you money by adding this coverage to your vehicle insurance policy rather than taking out a separate policy through your car dealership. To learn more about getting the right GAP Insurance for your vehicle, call us at 610-775-3848 or use the Contact Us form.

GAP Insurance for Your Business

When it comes to insuring your business “GAP insurance” refers to Guaranteed Asset Protection, and often comes in the form of a “guaranteed replacement cost” or “agreed value” insurance policy. In such cases your business property is insured for an amount that is guaranteed in advance regardless of what the market value may be at the time of your claim.  This speeds the time to settle your claim, and may help you sleep better at night.

To learn more about the many commercial insurance options for your business, call us at 610-775-3848 or use the Contact Us form.Contact Us to learn more about GAP insurance for your car or business. Serving Reading PA, Philadelphia, Lancaster, Harrisburg, York, Allentown, Bethlehem, Pennsylvania and beyond.

Tags: Car Insurance Harrisburg PA, Car Insurance Lancaster PA, Affordable Motorcycle Insurance, Car Insurance, Car Insurance Reading PA, Car Insurance Allentown PA, GAP Insurance, Car Insurance Philadelphia PA, Affordable Car Insurance

More Choices = More Car Insurance Savings than GEICO

Posted by David Ross on Sat, Jul 14, 2012

Save more than GEICO on car insurance in Berks County, Reading PA, in or near Lancaster, Pottstown, Allentown, Harrisburg, Philadelphia, Pittsburgh, Erie, Johnstown, PennsylvaniaWho Saves You More on Car Insurance, the GEICO Gecko or the American Insuring Group Eagle?

We eat geckos for lunch at American Insuring Group Ltd!  What we mean is, we can quote from over 25 competing insurance companies (6 for auto insurance alone) with one call, so we will out-perform any single-choice auto insurance brand - guaranteed. That goes not only for car insurance, but truck, RV, motorcycle, and van insurance from Philadelphia to Pittsburgh, Lancaster to Allentown, and points in between and beyond.

One Car Insurance Choice vs. Many Competing Choices

Would you buy groceries from a store offering only one brand of cereal or coffee?  Then why call a "one company only" car insurance company like GEICO, State Farm, or others? 

Get the American Insuring Group Advantage

We specialize in the most comprehensive and most competitive motorcycle, RV, truck, van and car insurance quotes anywhere in Pennsylvania, from Reading PA in Berks county, to Philadelphia, Lancaster, Allentown and the Lehigh Valley, to Harrisburg, York, Pittsburgh, Erie, and points in between.  So why call GEICO for cheap car insurance when you can get a more affordable car insurance comparison from multiple companies with one call? 

Save on PA car insurance in Reading PA, Berks County, Lancaster, York, Harrisburg, Philadelphia, Allentown, Bethlehem, Pittsburgh, Erie, PA and beyond

At American Insuring Group LTD, we will show you how to save on truck, van and car insurance in ways that GEICO only dream about.  Call today because the eagle has landed on savings from American Insuring Group Ltd.

Call us at 1-800-943-2198 or click here for an Instant Online Car Insurance Quote.

Click for instant auto insurance online quote

Tags: Car Insurance Harrisburg PA, Van Insurance, Car Insurance Lancaster PA, Car Insurance, Car Insurance Reading PA, Car Insurance Allentown PA, Car Insurance Philadelphia PA, Affordable Car Insurance

Most Affordable PA Car Insurance in Lancaster, Philadelphia or Beyond

Posted by David Ross on Tue, May 01, 2012

Oh, those car insurance commercials! Why do some companies spend hundreds of millions to persuade you to call their 1-800-cheap-car-insurance number to buy affordable car insurance?  They claim that 15 minutes could save you 15% or more, or that drivers who switched from brand X saved hundreds. What would that statistic look like for those Lancaster or Philadelphia PA car insurance customers who failed to find affordable auto insurance?

We’re Throwing Down the Gauntlet – Taking Off the Gloves! You’ll Get The Most Affordable Car Insurance in Pennsylvania – or Else

Take our challenge. We guarantee the best prices on quality car insurance in Reading, PA, Philadelphia, Lancaster, Allentown, Pittsburgh, and beyond.We’ve had enough! We know we can save you more than they can, but we can’t match the advertising dollars of those big car insurance companies. So we’re making a no-nonsense challenge to anyone seeking affordable car insurance in Lancaster PA, Philadelphia, Allentown, Harrisburg, York, Pittsburgh, Erie, or anywhere else in Pennsylvania: We’ll find you the most affordable Pennsylvania car insurance – PERIOD. 

Why are we so confident?  At American Insuring Group, providing affordable car insurance in Lancaster, Philadelphia, Reading, Allentown, or anywhere in Pennsylvania, is our specialty!  We eat, dream, and sleep this stuff. We represent over a half dozen “A” rated auto insurance companies, so we KNOW we can find you the best savings for your particular driving needs. 

Are You In? We’re Talking Affordable Car Insurance to YOU, Lancaster, Philadelphia, Reading, and All of PA!

Call American Insuring Group at 1-800-943-2198 and take the “dinner is on us” affordable PA car insurance challenge today, or click below for an instant online auto insurance quote.

Get a free Pennsylvania insurance quote for your car, truck, motorcycle, or SUV.

Tags: Car Insurance Harrisburg PA, Car Insurance Lancaster PA, Car Insurance, Car Insurance Reading PA, Car Insurance Allentown PA, Car Insurance Philadelphia PA, Affordable Car Insurance

Auto Insurance – Are You Risking Your Financial Future?

Posted by David Ross on Sun, Apr 15, 2012

Auto Liability Insurance limits are dangerously low under most Insurance policies

Affordable Car Insurance Near Reading PA and Auto Liability Insurance Protection - Serving Reading, Lancaster, Allentown, Bethlehem, Harrisburg, Philadelphia, York, Erie, Pittsburgh, Pennsylvania, NJ, MD and beyondWhen was the last time you had your auto insurance policy reviewed by an Independent Agent? You may ask "Why do I need an Independent Agent to review my truck, van, or car insurance policy"? Two reasons: professionalism (quality) and choice (savings).  Most auto insurance companies can only show you one insurance company's quote – theirs! 

When you call our insurance offices located near Reading, PA, we review your individual needs and tailor a plan to provide the auto insurance protection you need at the best price. You will receive competitive quotes from at least three high-quality, price-competitive car insurance companies from our extensive list of competing insurers. This competition typically results in a lower price and higher level of protection than you can achieve from a single motorcycle, RV, truck, van, or car insurance company.

Car Insurance Coverage – How Much is Enough?

Almost daily we counsel people who come to us with auto insurance limits that are so low that they are literally risking their life savings and their financial future. The first question to consider is the total value of your assets, and whether you want to be fully or partially protected against loss.  If you are at-fault in an auto accident and sued, what award could you reasonably be facing?  Many people carry $100,000 of auto liability insurance protection per person for bodily injury.  Consider this: if you become responsible for permanent injuries to another, then a $100,000 limit for bodily injuries may be woefully inadequate, and could result in severe financial hardship for you and your family for years to come. Increasing your car insurance coverage to the proper level can make all the difference should a major accident occur.

Car insurance for Reading PA, Lancaster, York, Harrisburg, Allentown, Bethlehem, Philadelphia, Erie, Pittsburgh, State College, Pennsylvania, New Jersey, Maryland and beyond.For example, many people earn $100,000 or more annually, and if you are responsible for another's inability to work for the next 10 years, they may receive a $1,000,000 award for which you would be responsible.  With only $100,000 of auto liability insurance coverage, the injured party’s attorney will be going after your personal assets to cover the $900,000 balance. One accident could permanently change your financial future.

Beyond Bodily Injury Liability Protection

Bodily Injury Liability Insurance is the most important form of car insurance protection you need to review, but it certainly isn't the only one.  Property Damage Liability to cover an accident with an expensive car, van, bus or truck is almost as important.  Uninsured Motorist protection, Medical Expense, Loss Wage coverage, Comprehensive and Collision are all important auto insurance protections that you need to have reviewed and that you should understand.

Call American Insuring Group LTD for a free auto insurance review to ensure you have the right level of protection to guard against a life-changing financial loss. Our professional car insurance agents are available at (800) 943-2198.

For an instant online insurance quote for your car, van, truck, motorcycle, or RV, please click below. Located near Reading, PA in Berks County, we also serve Philadelphia, Lancaster, York, Harrisburg, Allentown, and points beyond. Call or click today.

Get an instant online PA insurance quote for your car, truck, motorcycle, van, or RV. Serving Berks County, Reading, Lancaster, Philadelphia, Pottstown, Allentown, Easton, Bethlehem, State College, Lebanon, York, Pennsylvania and beyond.

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Smart Ways to Save on Auto Insurance

Posted by David Ross on Sat, Feb 04, 2012

Calling an Independent Agent to get Auto Insurance quotes is one of the smartest ways to compare rates for truck, van, or car insurance.  Independent Agents work for You not the Insurance company, so they are able to compare car insurance prices from multiple companies with one call.

At American Insuring Group, we represent over a dozen "A" rated auto insurance companies, so we can do the shopping for you for cheap, yet high-quality car insurance.  Let one of our insurance professionals compare car insurance for you with one call today! 

Affordable car insurance in Reading PA, Berks County, Philadelphia, Lancaster, Allentown, Harrisburg, York, Bethlehem, Pennsylvania, and beyond.

Having both your car insurance quote and your homeowners insurance quoted with the same  car insurance companies is one of the best ways to save on both. This credit is called an account credit.

Another way to save on car insurance quotes is for all vehicle insurance in the household to be with the same company.  This will give all drivers in the house a multi-car discount of 20%. 

Some of our car insurance companies offer first accident forgiveness which guarantees no accident surcharges if you are responsible for an accident. 

Airbags, theft alarms and anti-lock brakes all give discounts with the car insurance companies we represent.

Agreeing to go paperless and having a AAA membership will give your vehicle insurance extra discounts.

Mature drivers have a wide variety of mature discounts available from our companies.  Discounts for over age 50, discounts for pleasure usage and driver improvement courses are all discounts mature drivers are eligible for to get the cheapest car insurance quotes available.

Young drivers also are eligible for a variety of discounts for car insurance for young drivers.  Driver Training credit is available to young drivers who have completed 30 hours of classroom and 6 hours behind the wheel instructions.  This driver training credit gives 10% credit for three years for car insurance for young drivers.  Student Away at School discount is available to college age drivers who live over 100 miles from home and have no car with them.  This credit changes the young driver rate to a married rate which is a substantial savings.

At American Insuring Group, we offer truck, van and car insurance quotes from insurance companies that offer loss free discounts and longevity discountsThese discounts start after 1 year with the company and increase to 5% yearly discounts.

For the business owner, adding your van insurance to your personal car insurance quote will give your business vehicle a multi-car discount and a personal use discount.

These are just some of the many ways that calling American Insuring Group for a car insurance comparison will help you save money on car insurance rates today! Call us at 800.947.1270 or 610.775.3848.  

For an instant online insurance quote for your car, van, truck, motorcycle, SUV, or RV, please click below. Located near Reading, PA in Berks County, we also serve the insurance needs of customers in Philadelphia, Lancaster, York, Harrisburg, Allentown, Pittsburgh, Erie, and points in between and beyond. Call or click today to get started!

Get an instant Pennsylvania insurance quote for your truck, automobile, SUV, motorcycle, or RV. We serve all of PA, including Berks County, Reading, Lancaster, York, Harrisburg, State College, Easton, Allentown, Bethlehem, Lehigh Valley, Erie, Pittsburgh, and beyond.

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