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Buying auto insurance is a legal requirement of the state of Pennsylvania. Knowing what to buy, knowing what each policy covers and what the differences are between different companies' policies and the differences in car insurance rates in the Pittsburgh Pennsylvania area can be both confusing and time consuming. In the event of a loss or claim, the decisions that were made as to what type of insurance was purchased, what company was selected, and how much to have paid can affect an individual's or family's financial situation for a lifetime. Driscoll Insurance and Financial Services can help in the understanding and selection of the most appropriate insurance for an individual's or family's needs.
The state of PA requires a car owner to purchase liability limits in the minimum amount of $15,000 per person, $30,000 per accident and $5,000 for property damages to others- typically referred as "$15/$30/$5. Whether to choose limited tort or full tort will also affect premium, and other coverage such as uninsured and under-insured motorists' coverage, comprehensive and collision coverage are optional and should all be discussed with an insurance agent.
Cheap car insurance companies will provide cheap car insurance quotes but may also provide cheap auto insurance coverage programs. Auto insurance that is inadequate for the needs of the buyer, especially at the time of loss is not just cheap car insurance, it is a waste of money and can be financially devastating to an individual or family.
Liability insurance is required by the state of PA, and it pays for bodily injury to people injured by the insured. The minimum limit of liability is $15,000 per person and $30,000 per accident and $5,000 for property damage to others. Higher liability limits are available to help protect the insured in the event of a claim by a third party. In an accident, the insured may be responsible for the repairs to the other party's car or property, and the repairs could be in the thousands of dollars. Additional liability protection can be provided by a Personal Umbrella policy that covers liability claims arising from use of the insured's automobiles as well as injury to others at the insured's home.
Optional coverages such as Comprehensive coverage and collision coverage protect the insured's own car. If the insured collides with another car or object, collision coverage will respond and repair the loss. If the insured's car is damaged by fire, theft, hail, water, or for example a tree limb falling, comprehensive coverage will respond. Both coverages are typically written with a deductible that is the responsibility of the insured. Other optional coverages such as Uninsured and Under-insured motorist coverage as well as full tort and limited tort coverage all have an effect on the insurance cost and need to be fully discussed with an insurance professional so that the insured's needs are addressed and protected.
Driscoll Insurance has been in Pittsburgh, PA area since 1976, and is a Travelers Car Insurance agent, and the Driscoll staff are specialists in personal automobile insurance. Driscoll also partners with many other auto insurance companies to provide the most appropriate and cost effective insurance for its clients. Companies such as Traveler's Insurance, Encompass, Ohio Casualty, Progressive and Hartford all have different car insurance rates and each company has different requirements for coverage. The experienced and expert staff at Driscoll Insurance can compare the auto insurance policy differences, taking into account the types, ages, and how the vehicles are used and then advise and recommend the most cost effective and complete personal car insurance policy for an individual's or family's complete protection.
Personal Insurance
• Personal Auto Insurance
• Homeowners Insurance
• Umbrella Insurance
• Mine Subsidence Insurance
• Life Insurance
• Hunting Liability Insurance
• Land (ie. Vacant Land Insurance)
• Marcellus and Natural Gas Insurance
• Personal Health Insurance
From Our Clients
“Thank you for all of the work you do for us with our insurance needs. You can tell Jack that we stay with Driscoll because of all the attention you give to us.”
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