York, Pa: Auto Insurance Help And Support

If you're looking for auto insurance in York, PA, there are several companies that can help. State Farm, for example, offers a range of coverage options, including comprehensive, collision, liability, and uninsured motorist policies. You can get a personalized quote from one of their 19,000 agents or online. Alternatively, you could try Nationwide, which has multiple independent insurance agents in York who can help you find the right coverage for your needs. Peiffer Insurance is another option; as one of the largest independent insurance agencies in Central Pennsylvania, they can offer various options from different insurance companies to suit your individual needs. AAdvantage Insurance is also based in York, PA, and prides itself on being an educator as well as an insurance provider, so you can make more informed decisions about your coverage. Finally, Allstate Insurance Agent Anna Maria Chiaverini is based in York and can help with auto, home, and life insurance.

Local insurance agents

York, Pennsylvania, also known as the "White Rose City", has a rich history and dynamic present. When it comes to auto insurance, there are several local independent insurance agents in York who can help you find the right coverage for your needs. Here are some options for local insurance agents in York, PA:

AAdvantage Insurance Group Inc

AAdvantage Insurance Group Inc is an independent insurance agency located in York, Pennsylvania. They offer flexible insurance options and aim to make the process of finding the best insurance simple. Their team of advisors can help you save time, money, and aggravation. They are also educators, empowering you to make better decisions regarding your coverage. They can help with auto insurance, home insurance, life insurance, and business insurance. Their contact information is as follows:

• Address: 1830 E Market St York, PA 17402-2835
• Phone: (717) 755-2335

Peiffer Insurance

Peiffer Insurance is one of the largest independent insurance agencies in Central Pennsylvania. They represent a variety of trusted insurance companies, allowing them to offer their clients various options to suit their individual needs. They partner with over 10 competitive insurance companies to ensure their clients get the best rates. Their agents are local to Central Pennsylvania and are committed to serving their community and neighbours. You can reach them by phone or text at:

Phone: 717-854-6004

Nationwide

Nationwide has multiple local insurance agents in York, PA, who can help with auto insurance coverage. They also offer other types of insurance, including property insurance, homeowners insurance, life insurance, and business insurance. Here are some of their York agents and their contact information:

• Insurance Services United: (717) 825-1199
• R Scott Peiffer Inc: (717) 854-6004
• Turano Insurance & Financial LLC: (717) 757-2895
• AAA Mid States Travel & Insurance Agency: (717) 600-8700
• Dietz And Bluett LLC: (610) 628-2506
• Hub International Northeast Limited: (717) 767-7850
• Insurance Services United Inc: (717) 854-4043
• Kling Bros Insurance LLC: (717) 854-7851
• Kocman Insurance Group Inc: (717) 854-0300
• McMillan Insurance Agency LLC: (717) 850-0503
• Milestone Insurance Agency Inc: (717) 851-8010
• The Glatfelter Agency: (717) 852-8000
• The Weekley Agency Inc: (717) 650-1053

Discounts and savings

York, Pennsylvania, offers a range of options for auto insurance, and many providers also offer discounts and savings.

Many insurance companies in York, PA, offer discounts to their customers. For example, State Farm® offers a Personal Price Plan® to help make insurance affordable. They also offer savings when you combine the purchase of a renters, condo, or homeowners policy with a State Farm auto insurance policy.

If you are over 55, you can benefit from a mandated discount on automobile insurance in Pennsylvania. To qualify, you must complete a mature driver improvement course with the American Association of Retired Persons (AARP), the American Automobile Association (AAA), or the National Safety Council (NSC).

Nationwide also offers auto insurance discounts, including usage-based insurance with their SmartRide and SmartMiles programs.

Peiffer Insurance, an independent insurance company in York, PA, offers various options to suit individual needs. They represent a variety of trusted insurance companies, including Progressive Insurance, Grange Insurance, and Liberty Mutual's Safeco Insurance, allowing them to provide customers with a selection of choices and customized policies.

It is always worth checking with your insurance provider to see what discounts are available and how you can save.

Required insurance types

In the state of New York, drivers are legally required to have liability, personal injury protection, and property damage insurance.

Liability Insurance

Liability insurance covers the cost of the other driver's medical bills and property damage in the event of an accident where you are at fault. The state-mandated minimum coverage is:

• $25,000 per injury not resulting in death or $50,000 for any injury resulting in death for one person in an accident.
• $50,000 for two or more people who've sustained injuries not resulting in death or $100,000 for two or more people who've sustained injuries resulting in death.
• $10,000 per accident for property damage.

Personal Injury Protection (PIP)

PIP covers your medical bills and related expenses resulting from an accident. In New York, the state-mandated minimum coverage is $50,000 per person.

Property Damage Insurance

Property damage insurance covers the cost of damage to another person's property in an accident where you are at fault. The state-mandated minimum coverage is $10,000 per accident.

Insurance for specific vehicles

When it comes to insuring specific vehicles in York, PA, there are a number of options available to you.

Firstly, it's important to note that the requirements for vehicle insurance differ from state to state. For instance, in New York State, you must have New York State-issued automobile liability insurance coverage to register a vehicle. The minimum amount of liability coverage for most vehicles in New York State is as follows:

• $10,000 for property damage for a single accident
• $25,000 for bodily injury and $50,000 for death for a person involved in an accident
• $50,000 for bodily injury and $100,000 for death for two or more people in an accident

In contrast, in Pennsylvania, there is no mention of a state-specific insurance requirement. However, it is still mandatory to have auto insurance. The Zebra, an insurance comparison site, states that the average cost of car insurance in Pennsylvania is $1,600 per year, which is 5% more than the US average.

Now, let's take a look at some specific insurance options for certain types of vehicles:

• Classic cars: Classic car insurance typically has more requirements to qualify for a policy. For example, most classic auto policies cover your car based on a stated amount value rather than a depreciated value. This means there are more qualifications that your vehicle must meet.
• Commercial vehicles: Commercial auto insurance is typically required for vehicles used for business purposes. This type of insurance can cover personal use in addition to commercial use. However, it's important to check the exact terms of the policy.
• Motorcycles: In New York State, your motorcycle must have insurance coverage any time it is operated on a public road or highway. Motorcycle registrations expire on April 30 each year, and you are not required to surrender your plate if you terminate your coverage.
• Boats: Boat insurance is available from several providers in York, PA, including State Farm and Peiffer Insurance.
• Delivery trucks: State Farm offers insurance for delivery trucks in York, PA.
• ATVs: All-terrain vehicles can be insured through State Farm in York, PA.

Remember, when looking for insurance for specific vehicles, it's important to shop around and compare quotes from different providers to find the best coverage and rates for your needs.

How to get a quote

To get a quote for auto insurance in York, PA, you have several options. You can either contact an insurance agent directly or use an online platform to get a quote. Here is a step-by-step guide on how to get a quote:

• Decide on your preferred method: You can choose to work with an insurance agent or use online platforms. Some people prefer the personalized service of an agent, while others opt for the convenience of getting a quote online.
• Choose a reputable company: York, PA, has several insurance companies and agents to choose from. You can select a well-known company such as State Farm, Nationwide, or Allstate, or opt for independent insurance agencies like Peiffer Insurance or AAdvantage Insurance Group Inc. Consider comparing the services, coverage options, and discounts offered by different providers before making a decision.
• Gather the necessary information: To get an accurate quote, you will need to provide some personal information. This typically includes your name, address, driver's license number, vehicle information (make, model, and year), and driving history. Have this information readily available to make the process smoother.
• Contact the agent or company: If you decide to work with an agent, you can find their contact information on their website or through a quick online search. Give them a call or send an email to initiate the process of getting a quote. They will guide you through the information they need and may offer additional advice or recommendations. For online quotes, visit the website of your chosen insurance company and look for a "Get a Quote" or similar button. Follow the prompts to enter your information and receive your quote.
• Compare quotes and make a decision: Once you have received quotes from different providers, take the time to compare them. Look at the coverage options, deductibles, and premiums offered. Consider your own needs and budget when evaluating the quotes. Don't hesitate to ask questions or negotiate with the agents to get the best deal possible.

Remember, getting a quote is a crucial step in finding the right auto insurance policy for your needs. It's always a good idea to shop around and compare prices and coverage options before making a final decision.

Frequently asked questions