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Today, auto insurance is always about price.  Our national competitors are always stressing to save money with no mention of coverage.  And those that do mention coverage only do it in the context of "you pick what you want".  Most of our clients are our clients because they rely on us to guide them on what they need, not what they want.  Whether you purchase coverage through us or through someone else, here are 3 areas you don't want to cut out of your auto insurance:

1.  Uninsured motorists/underinsured motorists coverage.  MOST of the coverage you buy is for other people you hit OR your car (we'll hit on that one in a minute).  But, a completely underestimated coverage is uninsured motorists/underinsured motorists coverage (we'll call it UM/UIM).  Here, the personal auto policy gives you coverage for the most important thing we ever insure:  YOU.  This coverage will give you coverage on you and your passengers if the other party you encounter has no insurance (uninsured) or not enough insurance (underinsured).  Example?  You're driving your 2009 Honda Odyssey and you get t-boned by a guy with minimum limits (probably who was persuaded by Flo to pick the limits he "wanted").  Minimum limits in PA are $15k/$30k/$5k, so you'll be getting $15,000 for your broken leg.  Sound like enough?

2.  Replacement Cost Coverage on a new automobile.  If your car is brand new or at least less than 2 years old, you're most likely eligible for replacement cost coverage on your car.  The ensures that you'll get a new car, not actual cash value.  Remember the adage "your car loses (x amount) as soon as you drive it off the lot"?  Well, this coverage will replace your car with a new one, not 3/4 of a new one.  Most of our carriers offer this coverage.

3.  Property Damage Coverage.  Ok, property damage coverage is mandatory in PA.  AT $5,000!  Last week we had a claim where one person was responsible for totalling a BMW, an Audi A7, and a Ford F150.  Think $5k will cover it?  If you think so, we'd like to come shopping with you to find out where you can buy these things for $5k.  Don't skimp on property damage coverage!

Of course, budget always comes into play.  "What can you afford?" is always something you should consider.  But, be sure to weigh it against the coverages you may need if something were to happen.
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