Auto Insurance in York, PA

Whether you live in York or any other part of Pennsylvania, when most people think about auto insurance, they think about damage to their car. However, auto insurance covers much more than just your car.

Given the sheer number of cars on the road and the distractions drivers encounter every day, the chances of being involved in a car accident are plentiful.

You’re at risk literally every single day you get in your car.

It’s important to understand what your coverage options are, not just for you and your car but also for others who could experience injuries or property damage because of your negligence.

The Need for Adequate Auto Insurance Limits

If you were ever involved in an accident and found to be at fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

Many people don't realize that having great coverage doesn’t necessarily mean having higher insurance premiums.

Because AAdvantage Insurance Group Inc. is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best value possible.

The best part? It doesn’t cost you a penny more to use us. We don't require a fee for us to shop for you! We work on your behalf to properly cover your needs and exposures and ensure there are no hidden gaps in your coverage.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary from company to company. This means that you need someone who understands policy contracts like us to sort through the exclusions and conditions so you can rest easy knowing that you have the best possible coverage at the best price.

Important York, PA, Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder what they are and why they’re on your policy.

Let us clarify a few of the more important ones:

• Collision: This is the part of your policy that covers your car if it sustains damage from an accident involving a fixed or moving object, like another car, a curb, a house, a guard rail, etc.
• Comprehensive: This coverage protects your car from hazards beyond what collision coverage provides — it is often called “other than collision coverage." Examples include theft, fire, vandalism, weather events like hail, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, or other risks.
• Property damage: Suppose you damage someone's car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.
• Bodily injury liability: This coverage protects your financial interests in the event you injure another party in an accident. This is the part of your policy that pays the other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
• Uninsured and underinsured motorist: This coverage pays you in the event that you are injured by another party and that other party was either unidentified or wasn’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

• Age: Insurance companies use your age in their overall rating algorithms. Drivers who are under 25 and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are, therefore, more at risk for financial loss due to an auto accident.
• Credit: Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
• Car: The type of car, engine size, safety features, etc., are all part of determining the rate.
• Driving history: Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.
• Household: Insurance companies underwrite at the household level, meaning they try to judge, based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

How to Start an Auto Insurance Quote

At AAvantage Insurance Group, Inc., we make it easy for York residents like you to find the right auto insurance coverage for their needs and budget. As an independent agent, our ability to partner with several insurance providers enables us to help you compare multiple policy options and make an informed decision.

Begin the process by calling our office to discuss your coverage needs with one of our friendly, knowledgeable agents. You can also start your quote online, and we will contact you with personalized assistance.

We do all the heavy lifting for you!