Automobile Insurance
All drivers in both New York and Pennsylvania are required to carry certain basic types of auto insurance. Essentially, drivers must purchase what is generally referred to as “liability” insurance, which insures other people and property. Additionally, other coverages are available, and some will be required by lenders or dealers if you are financing or leasing a vehicle.
The requirements vary slightly for each state, but details are available online for New York and Pennsylvania.
Understanding the basics of car insurance will help you make an informed decision when you're buying a policy. While auto insurance is something car owners must purchase, Owen Insurance can often help reduce costs, and depending on your situation, determine if you qualify for certain discounts. Need motorcycle, RV, or boat insurance? We can help with them too.
An important reminder
Just because you have basic auto insurance coverage, it doesn't necessarily mean you have adequate or proper coverage. We can evaluate your present coverage, answer questions, explain features, exclusions, options, and terminology, and suggest or recommend additional coverage — things that will help you make the best choices about specific auto insurance needs.
Beware online quotes
There’s no free lunch. All insurance companies offer quotes and all quotes are based on the information you provide. Online quotes are typically based on only a few questions in hopes of enticing you to buy. In actuality, a true quote is based on a much longer insurance application, which is where the insight and help of an insurance agent can be valuable.
