Car Insurance with Cronk Insurance Inc.
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Car Insurance Services in the Erie, PA Area
Through the car insurance quoting process, we’ll always give you as many options as possible to tailor the Pennsylvania Car Insurance policy that’s is right for you. Do you have enough Bodily Injury Liability? Full or Limited Tort? Increased Medical or Personal Injury Protection? Comprehensive or Collision coverage? The differences between Uninsured and Under insured Motorist coverage? The many questions can be very confusing, but rest assured we’ll be there to guide you the whole time.
At Cronk Insurance, we’re a locally owned independent insurance agency right here in Erie, Pennsylvania representing multiple carriers. We are committed to matching you with the best Pennsylvania Auto Insurance providers available. What does that mean to you? By contacting our office you talk to people who actually live and work where you do, the very same people who will be there for you if and when you should have a claim. You’ll also get quotes from multiple carriers at once, which saves you the time and hassle of making all those calls everywhere else. And who couldn’t use a little extra time these days?
Call our office at (814) 456-7501 or click on the contact form to begin your free, personalized coverage review today. And remember, at Cronk Insurance…we make car insurance simple!
Everyone can claim to offer you the best Car Insurance rates and coverage, but how do you know that’s what you’re really getting?
You see it all the time on television and hear it on the radio, everyone offering a discount here, discount there — claiming to save you all kinds of money if you just call their 800# and talk for only a few minutes to someone you don’t know and who is hundreds of miles away. Doesn’t it seem like it should be a little more personal than that?
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Auto Insurance Quotes Comparison
/in car insurance /by Joe BirchBefore beginning your auto insurance quotes comparison, the first thing to do is consider which insurance companies you want to compare. Choose several providers and do a background check of sorts on each, considering information such as their business ratings, complaint ratios, and discounts offered. This will help you narrow down your selection before you even begin comparing pricing for equivalent coverage from each company. Be sure to check out our Testimonials page to see what our satisfied customers are saying about Cronk Insurance!
Next, you should determine how much coverage you need. Your basic coverage will include liability insurance, which covers damages and medical expenses to the other vehicle involved if you are responsible for an accident. Full coverage includes liability insurance, plus collision and comprehensive. Collision covers damages to your own car, while comprehensive covers damages that aren’t the result of a collision, such as an act of nature, theft, or vandalism. While collision and comprehensive insurance are not legally required, both are often mandatory if your vehicle is leased or financed. However, if you are insuring an older vehicle, you may want to ask yourself whether collision is necessary.
Personal injury protection insurance is required in some states but not all. Personal injury protection (PIP) insurance is used to cover medical expenses that may be incurred following an accident. Depending on what type of health insurance coverage you have, PIP insurance may not be necessary if it’s not required by law in your state.
Many companies offer big discounts when you buy coverage for several types of insurance, such as auto and home or a multi-car policy, from the same provider. While adding a teen driver to your policy is likely to increase your rate, many companies offer good student discounts for student drivers. Changes in life events, such as buying a home or getting married may also mean cheaper rates so be sure to include that information when comparing quotes.
Car insurance deductibles go a long way in determining what kind of rates you will see. Your deductible is what you will pay out of pocket first before your collision or comprehensive coverage kicks in. If you decide to go with a high deductible, your monthly rate will be significantly lower, but you could end up paying a thousand dollars or more before your insurance company covers any damages. On the other hand, a lower deductible will mean a higher monthly premium, but will take significantly less out of your savings should you ever need to have your car repaired.
Now that you’ve done your homework, you’re ready to begin your auto insurance quote comparison. Get a quote from Cronk Insurance and see how we compare – we’re ready to help you save money on a policy that will take care of your every need!
Getting the Right Price Quote for Car Insurance
/in car insurance /by Joe BirchAs with any big purchase, you can guarantee that you’re getting the best deal by shopping around and comparing prices. When purchasing car insurance it is essential to compare rates from different insurance providers to help you decide which one is right for you. Since we represent multiple insurance carriers, we are able to get quotes from several providers at once. Not only does this save you the trouble of getting the quotes yourself, but you can be confident that we will deliver only the best quotes to you.
So what can you do to be prepared when you talk to a Cronk insurance agent? For starters, it’s important to know what type of coverage you’re looking for. The minimum requirement includes liability, which covers injuries, damages, and legal fees as a result of a crash you may have caused. Adding personal liability coverage covers you and your passengers if someone else causes the accident. Unfortunately, neither of these covers damages to your own car, no matter who was at fault. We recommend that you consider adding collision and comprehensive coverage to your policy. Collision will cover repairs to your car after an accident, while comprehensive covers non-crash damages, such as vandalism, theft, or an act of nature.
You should also consider what kind of deductible is right for you. The amount of your premium will vary depending on what kind of deductible you choose. A higher deductible will result in a lower monthly premium, but will mean a greater out of pocket cost to you in the event of an accident. On the other hand, a lower deductible will mean a more expensive monthly premium. It all depends on what’s best for your budget!
Be sure to ask us about discounts too! There are always ways to save money on your car insurance with a wide range of discounts, including a clean driving record, safety features on your car, and bundling other types of insurance with the same company. These little discounts can go a long way to save you money!
While these are all important questions to ask your agent, there are many other options to consider when getting a price quote for car insurance. Cronk & Wisniewski Insurance Agency will eliminate the guess work for you.
Contact us to get your personalized quotes today!
(814) 456-7501