Yes, all quotes are free. For auto and/or home insurance quotes, for your convivence, you can complete our full quote form online: Full Quote Form

No, we can do quotes on the phone, in person, via an online form, or by video call. Policies can be handled very much the same way and can be finalized by e-signature. If you would like to book an appointment please click here: Book an Appointment

Our carriers offer a variety of discounts, such as prior insurance discount, automatic payment discount, multi vehicle discounts, multi policy discounts, and more. 

When filing a claim, the deductible is the amount on your policy you choose to pay out of pocket. This is true for both home and auto insurance.

Yes, in PA, PennDOT requires all motor vehicle owners to provide proof that they are financially responsible (have liability insurance) at the time of initial registration.

Yes. Comprehensive Coverage will be discounted depending on the type of alarm system.

Full Tort permits an unrestricted right to seek financial compensation for injuries caused by other drivers. Eligible Insureds may seek recovery for medical and other out-of-pocket expenses and may also seek financial compensation for pain and suffering or other non-monetary damages. 

Limited Tort limits the right to seek financial compensation for injuries caused by other drivers. Eligible Insureds may seek recovery for medical and other out of pocket expenses but not for pain and suffering or other non-monetary damages unless the injuries suffered fall within the definition of serious injury or unless one of several other exceptions (injury caused by an uninsured motorist, an out of state registered vehicle or a drunk driver) applies.

Like any type of insurance policy, business insurance is designed to help protect you against risk. And there’s no shortage of risks that businesses face – especially new businesses and startups. If you open a physical office or location, someone could file a lawsuit after getting injured on your property. If a client is unhappy with your work, they could sue you for negligence. Your product inventory could get damaged or stolen. Without the proper insurance coverage, your business would be on the hook for all of these unexpected expenses. And if you’re just starting out, that added cost could put you out of business entirely.

If your business is starting out in your basement, home office or garage, you may think that business insurance is unnecessary. But just because you're working out of your home doesn’t mean you’ll be covered by your homeowners insurance. Most homeowners and renters policies only go so far and aren’t designed to cover things like destroyed business inventory or customer injuries.

• Inflation - Due to the rise in the Consumer Price Index, costs of goods and services are higher. These higher prices drive higher insurance costs.
• Labor shortages - A shortage in workers caused costs to rise even more due to increased workloads and extended extended timeframes.

• Vehicle prices - New and used vehicle prices are high due to supply chain issues and expensive features. 
• Repair costs - Supply chain issues, higher costs for parts, and labor market pressures cause repair costs to rise.
• Price of parts - Technology such as cameras and sensors have high repair costs. Today's common vehicles have more than 30 pieces of expensive technology on each model. 

• Building materials - As of Q4, 2022, building material costs have been increasing 16.6% every year. 
• Extreme weather - An increase in destructive weather events like hurricanes and wildfires led to more frequent and pricier claims.

Permanent life insurance policy, no. Those policies are generally designed  so the premiums stay level over the premium paying period of the policy. 

With a term policy, yes. Most term policies purchesed today have premiums that remain level for a period of 10, 15, 20, or even 30 years. Once that term period expires, the premium will go up. 

The simple answer is, because someone that you love will suffer a financial loss when you die. If your loved one is counting on your income to pay for a mortgage, loans, or monthly expenses. Life insurance can pay those debts off or provide income to pay bills.

Premiums are based upon the person’s age when it’s purchased and a person’s overall health. Your premiums will generally be less expensive the younger and healthier you are.

There are a few basic kinds; permanent, term and accidental death. 

With permanent life policies, you will generally get the lowest amount of death benefit for the premium that you’re paying compared to the other kinds of insurance, but generally your premiums won’t increase, and your policy should last your entire life. 

Term life policies offer a much larger death benefit for the same premiums as a permanent policy, but the policy generally only lasts for a limited “term” or period of time. 

Accidental death policies usually offer the largest death benefit for the lowest premiums, but most companies will only pay out the death benefit if the insured dies from an accident and not from natural causes.