Important questions to ask your Pennsylvania insurance agent

Customer service agent

You should ask a number of questions when you're shopping for home or auto insurance in Pennsylvania. Here are some important questions Premier Group Insurance has added to help guide you along your search:

Can a personal umbrella policy help my coverage?

Umbrella policies are designed to cover events that your auto and home insurance might not. For example, let's say you're in a car accident that causes more damage than your standard $300,000 auto liability limit will pay. A personal umbrella policy would kick in to help cover the extra costs.

Is credit used in my rates?

Your credit history is one of the factors that insurance companies use to determine your rate. Your agent should be able to explain how credit affects your policy premium and whether or not it makes sense for you to request a copy of your report before purchasing any type of insurance coverage.

How will claims affect your policy?  

Your insurance agent will be able to provide you with a thorough explanation of how claims will affect your premiums.

What happens if I cancel? 

Why do I need to know this? By knowing the consequences of canceling, you can make sure that it is worth it and won't cost you more in the long run. In some cases, if you cancel your policy early, then there may be fees or penalties associated with doing so.

If I choose to pay monthly, how much extra will that cost me?

Ask your independent insurance agents about the few ways that companies can change how much they charge for an annual premium (or how much they charge on a month-to-month basis).

How much insurance should I get? 

There’s no single amount that fits all, but when it comes to your insurance needs, make sure you get enough. The right amount of insurance will depend on several factors:

  • How much the property is worth

  • The number of people who rely on that income

  • The value of the things you own

Before deciding what kind of coverage you need, consider consulting with an agent. They can help guide you through the process by asking questions about your family's finances and assets; this will allow them to recommend a policy that fits both your budget and lifestyle.

As we’ve seen, there are many questions you should ask your Pennsylvania insurance agent before buying a policy. Contact Premier Group Insurance if you have other questions or want a review of your insurance policies.