Changing Insurance Coverage

Find Out About Making Changes to Your Auto Insurance Policy

You might find, after selecting an auto insurance policy, that you're interested in increasing the limits or purchasing additional coverage for your vehicle. Maybe you're looking for information when purchasing a new policy. In Pennsylvania, you're able to adjust your coverage at any time. You simply need to contact your insurance agent to work out the details.

Whether we like to admit it or not, auto accidents are a part of our everyday lives. Hopefully, you'll never be in one, but it's always smart to be prepared. That's why it's best to have the right insurance in place before you ever need it.

Review Your Auto Insurance Coverage

Buying a new policy? Updating an existing one? Check out the following pages for the recommended minimum coverage for your auto insurance:

• Full Tort vs. Limited Tort
• Bodily Injury Liability
• Property Damage Liability
• Medical Expense Benefit
• Uninsured/Underinsured Motorists Coverage
• Funeral Benefits
• Recommended PA State Auto Insurance

Having the proper insurance coverage might result in a slightly higher premium, but it will save you thousands when you need it most. Speak with your insurance agent about adjusting your deductibles if you're worried that your monthly premium will be too high.

Your Coverage Affects Everyone on Your Policy

Just remember, as you update or purchase your new policy, the changes will affect all the drivers listed on your insurance. So be careful if you're considering reducing your coverage. It will impact everyone on your policy.

Remember to Find the Best Deal

We recommend keeping all of your vehicles with one insurer, because the insurance company can provide you with stacking benefits that can increase the limits of your coverage. For more information on this process, visit our insurance stacking webpage.

Keep in mind, as you change the coverage on your policy, it doesn't hurt to see what other companies offer for the same service. You might find that you can receive full coverage for your vehicles and pay a lower price with another insurer.

Make sure to compare deductibles, coverage, and limits with your current plan. Don't just look at policy price, because there's more to it than that. It never hurts to shop around, but don't give up coverage for a cheaper price.

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