Park Insurance has been in business for 38 years at the same location. Park Insurance can help you with personal insurance, business insurance, as well as title work for the Department of Transportation. We also offer notary service.
Licenses / Credentials :
• All Park Insurance agents are licensed with the state of Pennsylvania
Your Brookhaven Auto Insurance Agent: Keeping you Insured in Difficult Times
In these tough economic times, everyone's looking for ways to cutback. Many of us can find ways to save a few dollars here and there, but cutting out auto insurance shouldn’t even be considered. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. If you’re involved in an accident and don’t have auto insurance, how will you pay for medical expenses or repair your vehicle? What if you’re found liable for the accident? Never cancel your policy or let it lapse without contacting your Brookhaven auto insurance agent first.
Your auto insurance policy is there to protect you in the case of an accident. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. Your insurance can provide protection in the case of a lawsuit, if you are found liable for a vehicle accident. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
Brookhaven Auto Insurance: How Much Coverage Do You Need?
Maybe it’s time to go over your policy with a reputable Brookhaven auto insurance company if a tight budget has you rethinking your expenses. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. By going over your policy with a skilled Brookhaven auto insurance agent, you can weigh your options and possibly find some potential savings.
The first thing you need to do is determine how much auto coverage you actually need. There are minimums that the law requires you to carry. You must maintain bodily injury and property damage coverage, but the required minimums on these are not enough to offer real protection. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. The Brookhaven auto insurance agent can advise you on exactly how much coverage you need.
Brookhaven Auto Insurance: Finding the Savings
Once you and your Brookhaven auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Ask about rental car coverage. If your policy coverage includes the cost of a rental car, it can add to the cost of your insurance. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. Ask your Brookhaven auto insurance agent what things you can drop from your coverage and still be adequately insured.
What type of vehicle do you have? If you have an older vehicle, you might be able to drop your collision coverage. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. Keep in mind this is only for the collision portion of your policy. No matter the year of your vehicle, you still need to have the basic required coverage. A qualified Brookhaven auto insurance company can help you crunch the numbers on the age and value of your particular vehicle to see if you can save some money.
Ask your Brookhaven auto insurance agent about taking a higher deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. One of the simplest ways to keep your auto insurance rates down is to increase the amount of your deductible. Increasing your deductible can save you quite a bit of money every year. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
Your Brookhaven Auto Insurance Agent: Helping to Keep You Insured
One major way to find potential savings with your auto insurance is to look at some possible discounts that your Brookhaven auto insurance company may offer. Ask about a discount if you purchase more than one type of insurance from the same company. Get all your insurance from one company and save money at the same time. This is especially true if you can get your homeowner’s and auto insurance through one carrier. Ask your Brookhaven auto insurance agent about this option.
You may be able to get additional discounts from your Brookhaven auto insurance carrier. Are you an infrequent driver? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you over 55 years old? Ask about senior driver discounts. Mature drivers are typically more responsible drivers. Sign up for a driving safety course. These refresher courses not only help improve your driving skills. but can save you some money as well. Talk with your Brookhaven auto insurance carrier about the discounts they may offer.
Just because times are difficult, you shouldn’t be without the necessary things in life. If you drive, you need auto insurance. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified Brookhaven auto insurance agent. He’s there to help you find affordable solutions. Remember that every driver’s circumstances are different, but there are things you can do. If you’re feeling the pinch of these hard economic times, talk with your Brookhaven auto insurance carrier. He or she can help you find ways to save on your auto insurance and possibly ease some of the stress on your budget as well.