Category: Auto Insurance

Like all states, Pennsylvania has auto insurance coverage that is mandated by the law in order to legally drive. Knowing what these are is important when getting your insurance coverage. You can count on the team at H. Dean Allison Insurance in Altoona, PA to make sure that you have the required coverage and to discuss with you the optional coverage that is available for your vehicle. 

Types of auto insurance coverage

Liability

In Pennsylvania, the required liability coverage is 15/30/5, which is $15,000 for one person injured in an accident, $30,000 for more than one person, and $5,000 for property coverage. 

Collision

Collision coverage protects your vehicle if you are responsible for an accident or are the victim of a hit-and-run. The coverage has a deductible that will have to be met. But then the insurance will pay for the repair of the value of the vehicle if it is not repairable. 

Comprehensive

Comprehensive coverage covers your vehicle for damage from things other than a collision. It also has a deductible, and it covers theft, vandalism, flooding, and other damage caused by high winds, ice, hail, and more. It also includes glass coverage. 

Full glass

With full glass coverage, there is no deductible to pay before coverage kicks in. 

Gap coverage

If you have a car loan and a new car, there is the potential that you may owe more to your vehicle than the insurance values of your vehicle. You could be left owing a balance on your loan with a vehicle that has been totally destroyed. Gap coverage will pay the difference between what you owe and what you receive in payment. 

Consult With Us

Contact our office to discuss your auto insurance needs. As independent insurance agents at H. Dean Allison Insurance in Altoona, PA, we can offer more choices and the best rates.

Carrying auto insurance coverage is essential. Unfortunately, motorists sometimes make mistakes when it comes to their auto insurance policy. At H. Dean Allison Insurance, we can provide auto insurance coverage to vehicle owners in Altoona, PA. 

The following are four things not to do when it comes to your auto insurance policy:

Choosing the first auto insurance policy that you find

If you want to find the best available auto insurance policy, you need to explore your options. Getting quotes from a few auto insurance companies is one of the most important steps to go through before buying a policy. 

Neglecting to update your auto insurance policy

A motorist’s insurance needs can change as time goes on. If your financial situation changes or you buy a new vehicle, you’ll want to update your auto insurance coverage accordingly. 

Overlooking helpful auto insurance policy features

There are a lot of features that an auto insurance policy can include that will really make your life easier if you get in an accident. For example, rental vehicle coverage and roadside assistance are two policy features that you should definitely have. 

Failing to add comprehensive coverage to your policy

Liability and collision coverage are important types of coverage to include. However, you should also invest in comprehensive coverage. You’re missing out on important coverage you need if you don’t include comprehensive coverage in your policy.

Comprehensive coverage is important because it covers you if your vehicle becomes damaged due to theft or vandalism. Comprehensive coverage also includes coverage for damage caused by fire. 

Are you looking for auto insurance in Altoona, PA?

Call us at H. Dean Allison Insurance and we’ll answer your insurance questions and give you a quote on a policy. 

Auto insurance is a crucial aspect of owning a vehicle, providing you with peace of mind and protection in the event of an accident or other unexpected events. At H. Dean Allison Insurance Agency serving Altoona, PA, we understand that navigating the world of auto insurance can be confusing and overwhelming, which is why we’re here to help.

Auto Insurance Policy: A Comprehensive Guide

First and foremost, it’s important to understand what your policy covers. Most auto insurance policies include liability coverage, which protects you in the event that you cause an accident and are found to be at fault. This coverage can include property damage, medical expenses, and more. Other types of coverage that you may consider include collision coverage, which pays for damage to your own vehicle, and comprehensive coverage, which covers damage to your vehicle from non-collision events such as theft, natural disasters, and more.

When choosing an auto insurance policy, it’s important to consider your specific needs and budget. You may also want to shop around and compare quotes from different insurance companies to ensure that you’re getting the best coverage at the most affordable price. At H. Dean Allison Insurance Agency, our knowledgeable agents are always here to help you understand your options and make informed decisions about your coverage.

In addition to choosing the right policy, there are a few other steps you can take to make the most of your auto insurance coverage. For example, it’s important to keep detailed records of your vehicle and its maintenance history, as this can help to prove your case in the event of an accident or other claim. It’s also a good idea to review your policy regularly to make sure that you have the right coverage for your needs, and to make any necessary updates or changes.

Contact Us Today

At H. Dean Allison Insurance Agency serving Altoona,PA, we’re committed to helping our clients get the coverage they need to protect themselves and their vehicles. Whether you’re a first-time car owner or a seasoned driver, our team is here to answer your questions and provide you with the support you need. So if you’re looking for comprehensive, affordable auto insurance coverage, get in touch with us today!