Auto Insurance
DTown Insurance offers reliable and experienced car insurance agents near you in Doylestown.
The insurance companies we represent offer a wide range of auto insurance products at a fair price. You can get an even better price if you qualify for our available discounts like good driver, paperless, good student and telematics.
When applying for auto Insurance in Doylestown, PA, you're usually asked whether you want collision and/or comprehensive coverage, what liability limits you want, how high you want your deductible to be, and whether you want any optional coverage. We can help you understand the meaning of what these terms mean and how much coverage is right for you.
Auto Insurance Coverage Options in Doylestown, PA
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan, you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverages usually include a deductible, ranging from $100 to $1,000. If your car is damaged, you cover the deductible amount and the insurance company pays for the damage over the deductible. The higher the deductible, the lower the premium.
Liability coverage
Liability coverage pays for injuries to other people and their property if you are at fault in a vehicle accident.
Medical Payments coverage
Medical Payments coverage pays for medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, regardless of who is at fault.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and cannot work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a completely uninsured person or don't have enough liability insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional coverage
Optional or special coverage can include extras such as roadside assistance, towing, and rental reimbursement.
How much do I need?
Choosing the appropriate level of auto insurance coverage depends on several factors, including assets you must protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your risk tolerance.
How much car insurance is enough?
Car insurance is mandatory in most states.Coverages vary based on individual needs and each state has minimum limits. Is your car leased or financed? If so, you will need comprehensive and collision coverage.
What are the minimum limits for Pennsylvania?
The answer is 15/30/5
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage per accident
What are the coverages offered by auto insurance carriers?
- Bodily Injury
- Property Damage
- Accidental Death
- Combined First-Party Benefits
- Comprehensive
- Collision
- Medical Payments
- Funeral Benefits
- Income Loss
- Rental Reimbursement
- Roadside Assistance
- Towing and Labor
- Uninsured/Underinsured Motorist Bodily Injury
Bodily injury, property damage, and medical payments are required. Uninsured/underinsured motorist bodily injury must be offered but can be rejected.
Getting a quote is easy. Just give us a call or send us an email. With our dedicated business partners' help, we will offer an entire solution for all your personal insurance and business insurance needs.
We are here for all of your insurance needs!
