Grove Financial & Associates, Inc

350 S Sporting Hill Rd
Mechanicsburg, PA 17050

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When Should I Update my Auto Insurance?

If you have auto insurance in Mechanicsburg, PA, you have to make sure it’s sufficient enough to cover you in times of trouble. Regrettably, many motorists constantly renew their auto insurance policies without a second look. Only when accidents happen that they realize they have been paying for the wrong auto insurance policy.

Your auto insurance isn’t a “set and forget” thing like most things in life. Every year, you should update it to ensure your current insurance needs are covered. Here are life changes that should prompt you to talk to Grove Financial & Associates Inc. to update your car insurance policy.

Buying a new car

One sure way that you will have to review your car insurance is when buying a new car. Whether it’s a brand new car or a pre-owned model, it will impact your current insurance policy. So, whenever you buy a new car, talk to your insurer to update your current policy with the details of your new vehicle.

Adding a new driver

Parents, you need to hear this. If your teenage son or daughter is a new license owner in the house and needs to drive your vehicle, you should inform your insurer. Yes, this will impact your premiums, but it will save you significant financial losses when the new driver in town is involved in an accident.

Change of name

There are several reasons to change your name. It could be for marriage reasons, divorce, or you want a new identity. You need to update your insurer with the new development, whatever the reason.

Updating your car insurance ensures your claim process is smooth. Your insurer can’t nullify your claim because of conflicting information. Need to update your car insurance policy in Mechanicsburg, PA? Please talk to Grove Financial & Associates Inc. today.

What are the Benefits of Auto Insurance?

It’s always easy to see the benefits of auto insurance after an auto accident. However, before an unfortunate incident happens, many motorists view auto insurance as just another expense. Like many other insurance plans, auto insurance is one that you purchase with the hope of not using it. But because you can’t control risks, you need a proper insurance plan to bail you out when the unthinkable happens. Here are the benefits you accrue when you purchase auto insurance from Grove Financial & Associates Inc. of Mechanicsburg, PA.

Compliance with the law

All Pennsylvania drivers must carry valid auto insurance when driving on public roads. When caught without proper car insurance, you face a fine of $300 and a license suspension of up to three months. Repeat offenders face even more severe fines and penalties.

Asset protection

While you can repair your car when involved in minor accidents, you face an uphill task regarding severe accidents. Here, auto insurance saves the day by repairing your car up to your coverage limit. Car insurance saves you thousands of dollars that you could have spent from your pocket to repair or replace your car.

Liability protection

You might be extra careful on the road, but accidents can still occur. And when involved in a crash, you might face property damages, bodily injuries, and possible legal claims for accidents you are deemed liable. Thankfully, if you have liability coverage, you don’t have to incur out-of-pocket expenses to pay for third-party accident costs. 

Medical payments coverage

When you have PIP or medical payments coverage, it pays for medical costs for you and your passengers when involved in an accident, despite who was at fault.

Get auto insurance in Mechanicsburg, PA today!

Would you like to reap the benefits of auto insurance? Please contact Grove Financial & Associates Inc. for a personalized quote. 

Auto Insurance Facts New Drivers Should Know in Pennsylvania

As a new driver in Pennsylvania, you may have some misconceptions about auto insurance protection. These misconceptions could cause you to make costly mistakes in your coverage. At Grove Financial & Associates, Inc., we’ll provide you with the facts concerning auto insurance protection so that you can make good insurance choices. Here are some vital auto insurance facts every new driver should know.

Fact: Auto insurance isn’t one size fits all. You can customize your coverage to obtain the essential protection you need. Customizing your policy can also save you money on your premium.

Fact: Standard auto policies in Pennsylvania offer numerous coverage options to include:

  • Liability – helps cover damage to others in accidents you cause
  • Collision – helps pay collision damage to your car.  
  • Comprehensive – protects your car from theft and covers damage caused by non-collision sources like falling objects, inclement weather, and vandalism.   
  • Uninsured Motorist – helps cover damage to your car caused by an uninsured or hit and run driver.
  • Roadside Assist – helps cover towing and minor vehicle repairs if your vehicle breaks down unexpectedly on the road.
  • Car Rental Protection – helps cover car rental car costs if your vehicle has to go to the shop for repairs.

Fact: Liability coverage is mandatory in most states, and Pennsylvania is no exception. All drivers are required to carry minimum liability coverage. This insurance pays for injuries and property damage of other drivers in accidents you cause.

Fact: Auto insurance coverage and costs vary from one insurer to another. By shopping around and comparing what different insurers have to offer, you can obtain quality coverage at reasonable prices.

Learn more about auto insurance in Carlisle and Mechanicsburg, PA by calling or visiting an agent from Grove Financial & Associates, Inc. today.

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