Auto Insurance
We are proud to go above and beyond your expectations of a standard insurance plan. Your protection needs are our priority and we aim to help you select quality and affordable auto insurance coverage you can truly rely on. Auto insurance can protect you from loss in the event of an unfortunate and unexpected accident. That is why it is vital that we have drivers enroll in dependable auto coverage plans.
We provide you with as many options as possible, allowing us the opportunity to build a tailored insurance plan that meets all your unique vehicle insurance needs!
Auto insurance generally includes the following coverages:
- Bodily injury liability
- Medical or personal injury protection
- Property damage liability
- Collision
- Comprehensive
- Uninsured motorist coverage
Our service extends past a standard policy. We will check to see if you’re eligible for any available discounts to help reduce your auto premium. Our dedicated agents will happily review your policy and make sure you are well aware of the coverage. Don’t leave your driveway unprotected! Contact us today and allow our agents to assist you.
Auto Insurance FAQs
Why did my auto insurance rates increase?
Auto insurance rates can change for a variety of reasons, including accidents, traffic violations, rising vehicle repair costs, increased claims in your area, or severe weather events. Even drivers with clean records may see rate adjustments due to broader insurance market trends.
Does my insurance cover other drivers using my car?
In many situations, auto insurance follows the vehicle rather than the driver. If someone borrows your car with your permission, your policy may provide coverage if an accident occurs. Since every policy is different, it’s a good idea to review your coverage with your agent.
Does auto insurance cover hail damage?
Yes, hail damage is typically covered under comprehensive auto insurance. Pennsylvania drivers can experience severe thunderstorms, hail, falling tree branches, and other weather-related risks, making comprehensive coverage an important consideration.
Do good student discounts apply in Pennsylvania?
Many insurance companies offer discounts for high school and college students who maintain strong academic performance. Eligibility requirements vary by carrier, but these discounts can help families reduce the cost of insuring young drivers.
What happens if my vehicle is totaled?
If your vehicle is declared a total loss, your insurance company will generally pay its actual cash value, minus any applicable deductible. If you have an outstanding loan or lease, gap coverage may help cover the difference between the vehicle’s value and what you still owe.
How is the value of a totaled vehicle determined?
Insurance companies typically evaluate factors such as the vehicle’s age, mileage, condition, features, and recent sales of similar vehicles in the Pennsylvania market when determining its value.
Can I keep my vehicle after it is totaled?
In some cases, yes. You may be able to retain the vehicle after a total loss settlement, although the claim payment will usually be reduced. Pennsylvania salvage title requirements and inspection rules will apply.
What vehicles are usually the least expensive to insure for teen drivers?
Vehicles with strong safety ratings, lower repair costs, and advanced safety features are often more affordable to insure. Many families find that midsize sedans, small SUVs, and other practical vehicles offer the best balance of safety and cost.
Does Pennsylvania require SR-22 insurance?
Pennsylvania generally does not require SR-22 filings like many other states. However, drivers facing certain license or insurance-related issues may have other proof-of-insurance requirements. Our team can help explain your options and requirements.
Does a speeding ticket affect insurance rates?
A speeding ticket can impact your insurance premium because insurers may view it as an increased driving risk. The effect often depends on the severity of the violation, your driving history, and your insurance company.
How can Moore Insurance Group help me save on auto insurance?
As an independent insurance agency, Moore Insurance Group can compare coverage options from multiple insurance companies to help you find competitive rates and the protection that fits your needs. We take the time to review available discounts and explain your options so you can make an informed decision.