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

Car Insurance Conshohocken Pa

Car Insurance Conshohocken PaIf you are looking for better pricing for homeowners, business, or Car insurance in Conshohocken Pennsylvania or any of the surrounding areas in Pennsylvania, contact Humphries Insurance by calling 215-646-5633. 

Humphries Insurance is a leading independent insurance agency in Conshohocken and we represent top insurers including Erie Insurance in Conshohocken Pennsylvania. 

Price quotes are available in 5 minutes or less using our online system.  Click any of the links below: 

Mistakes Made When Shopping for Conshohocken Insurance. 

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

Upon occasion some unscrupulous agents/companies will take one of the below actions to earn your business:

  • Quoting limits of Conshohocken auto insurance liability that may be lower than your current coverage.
  • Will increase your deductibles without your knowledge hoping you won’t notice it on your new insurance policy you just purchased from them.

Examples of How Bait and Switch Happened To One Policyholder:

A notice was received by an agency that one of their policyholders was switching to a new company.

The policyholder had been insured with the agency for a number of years and they asked the client why they were switching.  They stated they had got a rate that was about $25 lower per month and because they were on a fixed budget they needed to save every dollar they could.

The agency representative asked the policyholder if the coverage was matched up apple to apple.

The policyholder assumed that was the case and pulled out their new declaration page only to discover that not only were the deductibles doubled but the liability limits had been cut in half!

The agency representative asked the policyholder if they were aware their deductibles have been doubled and their liability limits cut in half?

The policyholder was not aware of this fact and was quite shocked. They immediately canceled their new policy because deception was used to encourage them to switch their insurance.

What lessons can be learned by this example?

Always make sure you verify your limits of liability and deductible are the same!

In our next article we will discuss another common mistake that sometimes policyholders make when they do not properly disclose all of the tickets/accidents on their driving 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!

We Never Use Bait and Switch to Earn Your Business!

The professionals at Humphries Insurance never use bait and switch tactics to earn your insurance business.

So when you’re shopping for business insurance, home insurance or Car insurance in Conshohocken Pennsylvania you can trust our team to match up your limits of liability and deductibles to your exact specifications.

Call us at 215-646-5633 to speak with one of our licensed representatives or use our convenient online rate quote system by clicking one of the links below:

Need Insurance in another area? We also serve the following communities in the greater Philadelphia area:

  • Auto Insurance Bryn Mawr Pa
  • Home Insurance Bryn Mawr
  • Erie Insurance Bryn Mawr
  • Havertown Car Insurance
  • Havertown Home Insurance
  • Erie Insurance Havertown
  • Car Insurance Wynnewood
  • Homeowners Insurance Wynnewood
  • 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.