Your auto insurance helps protect you and others on the road from the financial difficulty that can come from auto accidents. Many people get an auto insurance policy and then think little about it for years! If you haven’t reviewed your auto insurance policy, now is the time. The professionals at Options Insurance Agency, serving Hershey, PA, can help. Here’s what you need to know about reviewing your auto insurance.

Why Review Your Auto Insurance?

When you select your auto insurance policy, the level of coverage may be based on many things, including how far and often you drive, the value of your vehicle, and other factors. Reviewing your auto insurance periodically makes it possible to ensure that these factors are still accurate, so your vehicle has the proper insurance for your needs. 

When Should You Review Your Auto Insurance?

Review your auto insurance coverage once per year, maybe around the same time of year that you review other insurance policies. 

How Should You Review Your Auto Insurance?

To review your auto insurance policy, contact your insurance agent. They can go over the documentation with you to help you determine whether you have the right level of coverage for your needs.

Consider how much you use your vehicle and the type of coverage you have. Not all types of insurance are the same! Consider whether you need full coverage, comprehensive coverage, collision coverage, or simple liability insurance. 

Time To Review Your Auto Insurance? Call Us

If you’re ready to review your auto insurance policy, the insurance agents at Options Insurance Agency can help you. Call us to speak with one of our insurance professionals. We’re currently serving Hershey, PA. 

Driving across borders isn’t something most Pennsylvania drivers do every day, but it does come up. Maybe you’re planning a road trip to Canada, or you’re renting a car overseas. Before you go, it’s worth knowing how far your auto insurance through Options Insurance Agency serving Hershey, PA will actually travel with you.

Crossing Into Canada and Mexico

For most Pennsylvanians, Canada is the easier option. Standard U.S. auto policies generally extend north of the border, so you’ll usually be covered for liability and damage. Mexico, however, is a different story. U.S. policies don’t apply once you cross into Mexico, and local law requires a separate Mexican insurance policy. If you’re driving down for vacation, buying that extra coverage is a must.

Driving Abroad With Rentals

Heading overseas to Europe or elsewhere, your U.S. policy won’t follow you. Rental companies often provide coverage options, and sometimes credit cards offer protection too. It’s not wise to assume; you’ll want to check before the trip to make sure you’re not left footing the bill if something happens on unfamiliar roads.

Why Local Rules Matter

Every country has its own insurance requirements, and penalties for driving without proper coverage can be just as severe or even more so than in the U.S. Even in Canada, where your Pennsylvania policy may apply, proof of insurance is still expected if you’re stopped. Carrying the proper paperwork and knowing the limits of your policy can save time, money, and headaches.

International travel brings enough moving parts without worrying about insurance gaps. By reviewing your policy and talking with your agent at Options Insurance Agency serving Hershey, PA, before crossing a border, you’ll know what’s covered and what’s not. That way, you can focus on the trip instead of paperwork.