Havertown Car Insurance

professional woman uid 1102525Need a great agency offering homeowners, renters, condo, business or car insurance in Havertown Pennsylvania and the local areas? 

Call 215-646-5633 and speak to Humphries Insurance when you are shopping for all types of Insurance in Havertown Pennsylvania. 

As a leading independent insurance agency in Havertown we can help you find the coverage you need affordably. 

Click on Havertown Car Insurance or Havertown Homeowners Insurance for online quotes from up to 10 leading companies. 

Mistakes Made When Shopping for Havertown Auto Insurance.

In our previous article we discussed the importance of properly disclosing all activity on our driving record. 

What can happen if we fail to take this step? 

Example: Racing Ricky has a lead foot and has accumulated five speeding tickets over the last 18 months.  Ricky’s current insurance company noted his need for speed along with five extra speeding tickets and doubled his insurance premiums

Doubling Ricky’s insurance premiums came as a bit of a surprise to Ricky’s current insurance agent after he discussed the matter with him because he thought the company would cancel him because of his driving record

Racing Ricky doesn’t like his new insurance premium so he shops around and conveniently forgets to tell the new agent about three of the five tickets assuming they won’t find them since they occurred in different states. 

The premium rate is half of what his current company wants to charge him and so racing Ricky buys a policy from the new company and cancels his existing policy despite his current agent encouragement not to take this action because he can’t believe the current company is offering Ricky the premium rate that they are. (Ricky conveniently forgot to tell his old agent that he didn’t document all of his violations) 

Two weeks later Racing Ricky receives a cancellation notice in the mail from the new company because five speeding tickets violate their underwriting guidelines so they return Ricky’s down payment check. 

Ricky now races to the telephone to call other agents to only discover that the best rate he can now find is triple what he was paying before! 

Ricky calls his former agent and much to his dismay they will not reinstate his old policy he just canceled so Ricky is forced to pay three times more money than what he was before! 

This is What Can Happen When We Don’t Disclose Everything on Our Driving Record!

In our next article we will relate 1 additional example of how agents/companies may not properly document or list all of your tickets/accidents on your record. 

This can also lead to either a cancellation notice issued soon after you buy a new insurance policy or at some point in time you will receive a substantial rate increase!

Need Better Options for Havertown Car Insurance?

Call the licensed agent of Humphries Insurance at 215-646-5633 during normal business hours or use our online rate quote system which is available 24 hours per day by clicking one of the links below: 

Need Insurance in other areas? We proudly serve the following communities in the greater Philadelphia area: 

  • Car Insurance Haverford Pennsylvania
  • Car insurance Clifton Heights Pa
  • Auto insurance Springfield Pa
  • Auto insurance Upper Darby Pa
  • Auto insurance Folsom Pa

Auto Insurance Collegeville

Auto Insurance CollegevilleCall 215-646-5633 and speak to the licensed representatives at Humphries Insurance when you are shopping for business, home, life, or auto insurance in Collegeville Pennsylvania and the surrounding areas.

If you would prefer an online quote click Auto insurance Collegeville and you will receive up to 10 quotes in 5 minutes or less from companies in our area.

Quotes from Erie Insurance are also available online when you click Erie insurance Collegeville Pa.

Mistakes Made When Shopping for Collegeville Auto Insurance.

In a previous article we discussed how insurance buyers can fall victim to bait and switch insurance pricing.

One policyholder in their objective to save money had an unethical agent double their deductibles and cut their liability coverage in half to save them money without their knowledge.

The practical lesson learned by this example is to double check that the limits of liability and deductible are the same before you buy a policy from the new company.

In this article we are going to discuss the importance of making sure that all of the tickets/accidents on your record or other drivers listed on your policy are properly disclosed and documented.

Why Should You Disclose All of Your Driving and Claims Activity on Your Record?

Years ago it was a little easier to conveniently ‘forget’ about a ticket or accident on your record prior to the spread of computing technology.

Today insurance companies have established a national database where they can check all of your claim activity and moving violations in every state and territory in the United States and they can do that instantly at a push of the button.

So when you are shopping for car insurance in Collegeville Pennsylvania and the surrounding areas try your best to disclose upfront all of your activity.

What Can Happen to Your Newly Purchased Policy When the Company Discovers Additional Tickets or Accidents on Your Record?

Failing to disclose everything on your record may cause either a cancellation notice to be issue soon after you buy the policy or you will receive a substantial rate increase!

Receiving a cancellation notice or a significant rate increase can cause policyholders big trouble and defeat the purpose of switching to a new company in the first place!

In our next article we will share an example of how this exact situation might happen to any person who fails to properly disclose all tickets and accidents on your record even if you don’t believe you think it matters.

Need Better Options for Auto Insurance in Collegeville Pennsylvania?

Call 215-646-5633 and speak to the hometown agents at Humphries Insurance or use our convenient online rate quote system using the below links:

Need Insurance in other areas? We proudly serve the following communities in the greater Philadelphia area:

  • Auto Insurance Havertown Pa
  • Auto insurance Newtown Square Pa
  • Car Insurance

    A common mistake made by insurance shoppers is assuming coverage is identical between insurance companies.

    You might have the same limits of liability and deductibles with two different insurance companies, yet the claims results can be completely different.

    That's why it's important to work with our insurance team. We will help you put together an insurance plan to meet your individual needs.

    Call us today at 215-646-5633 or use our convenient online rate quote system when you click on instant quotes for car or home insurance!

  • Home Insurance

    Do you know the difference between the HO3 and HO5 Policy Form?

    The difference in coverage between the two policy forms might mean the difference between a claim being covered or denied on your personal property!

    The HO5 is a superior policy yet the majority of home insurance policies sold today is the HO3!

    Call us today at 215-646-5633 or use our convenient online rate quote system when you click on instant quotes for home insurance to learn why the HO5 is better!!

  • Business Insurance

    There are a variety of different types of business insurance policies available for companies.

    From General Liability, Business Property Coverage, Commercial Auto, Workers Compensation Insurance, Employers Liability Insurance, Professional Liability Insurance, Commercial Crime Coverage, Inland Marine Coverage, Cyber Liability Insurance, and many more.

    We at Humphries Insurance can help you choose the coverage most appropriate for your company.

    Call us today at 215-646-5633.