In the state of Pennsylvania, drivers are required to carry liability insurance, but any insurance beyond that is optional. While it is vital to protect other drivers, who is going to protect you and your vehicle if you are the responsible driver in an accident or if you are the victim of a hit and run? The responsibility falls on you, and our agents at Options Insurance Agency in Hershey, PA are ready to sit down with you to discuss the auto insurance options available.

To protect yourself in the event of an accident where you are at fault, you need to carry collision insurance. Collision insurance has a deductible, but after that is met the insurance company will pay to repair or replace your damaged car up to the blue book value. If your vehicle has little value or you have a lot of money lying around, you may feel that you can pay for the damage yourself, and of course, that is fine, but for the average person, this is essential coverage. 

Comprehensive insurance is also known as non-collision coverage. It covers a lot of other things that can happen to your car that don’t include a collision with another vehicle. It covers some weather events, including floods, which no other type of insurance covers, and wind damage. It also covers your car from theft and vandalism. 

If you are looking for a new auto insurance policy or you are thinking about a change, why not give us a call at Options Insurance Agency. We serve the greater Hershey, PA area, and as an independent agency, we have lots of choices to offer you both in policy options and carriers. We are sure we can find one that is a good fit for you.