Auto insurance is a legal requirement in many states, but most people are unsure about how to secure car insurance when they have a house full of people. Sometimes, new drivers may have to pay a significant amount for their policy. We’ll review what you need to know to ensure you make the best decision regarding your auto insurance policy.

Everyone Doesn’t Need Their Own Policy

In most cases, people in the same household in Hershey, PA do not need to get a separate policy. A person in the household can add all drivers to their existing policy. This is an excellent way to help everyone save money because it’s usually more cost-effective than everyone paying for an individual policy.

Insurance Company Requirements

Many insurance companies require that every person of driving age in the household be listed on the policy. However, policy owners can usually list someone as a "non-driver" on the policy so it doesn’t impact their deductible or insurance rates. It’s crucial to speak with an experienced agent at Options Insurance Agency to ensure you meet policy requirements.

Sharing An Insurance Policy

Many families choose to have everyone on the same policy because it’s a great way to save money. New drivers may get cheaper insurance rates because their parents or guardians have an exceptional driving record.

In some instances, it’s best to avoid sharing an insurance policy. Adding a person with a poor driving record to your policy can increase your monthly premium. Temporary roommate situations often call for people to have separate insurance policies because the policy owner doesn’t want to be partially responsible for the accident. Always ask your auto insurance company how adding someone to your policy can impact your insurance.

Always consult with an experienced agent at Options Insurance Agency to ensure you are making the best decision for your situation and to ensure coverage if something happens. We currently service the Hershey, PA area.

Sometimes, you may find yourself in a situation where it’s more convenient to rent a car for a while. Accidents can still happen even if you only have this car for a short time. Many car rental companies will require you to have valid liability insurance before you rent one of their cars. If you already have a car insurance policy, you won’t need to purchase additional protection before renting a car.

Securing Insurance Before You Need It

Most of the typical types of rental car protection are very similar to the coverage available on an ordinary car insurance policy. The coverage you have for your own vehicle should easily transfer to rental vehicles. If you have collision, liability, and/or comprehensive insurance, you will be protected up to the same limits in a rental car. If you have the proper policies to start with, you won’t have to buy additional insurance from the rental company. As for any personal effects you may have in the car, if renters’ or homeowners’ insurance already covers them, you won’t need to purchase personal effects coverage. Do remember to review your policies before deciding to buy coverage. Legally, a car rental company won’t let you drive off without the state’s minimum liability insurance. Your personal insurance may cover it, but remember that you are in an unfamiliar car and in unfamiliar territory. A little extra coverage might be a good idea.

Contact Options Insurance Agency Serving Hershey, PA

If you live in the Hershey, PA, area and need auto insurance, please get in touch with Options Insurance Agency. We’re happy to help!

Options Insurance Agency proudly offers coverage for a wide range of vehicles in the Hershey, PA, area. We insure small trucks, vans, sedans, SUVs, luxury cars, daily drivers, new cars, and classics.

If you drive an older car, there are some factors to consider.

When to Drop Comprehensive Coverage

There may come a time when paying for comprehensive coverage on your older vehicle is not worth it. Your vehicle’s book value may decrease to the point where, minus your deductible, you are not getting the value you once did. We can help you determine when that point may be.

Older Vehicles Lack Some Safety Features

Advancements in technology have made cars more comfortable, convenient, and safe. A visit to a new car dealer may be an eye-opener as to what is available.

Even Older Cars Are Required to Be Insured

Even if your car is older and may not be worth much, you are still required to carry car insurance to meet state minimum levels.

We Can Help with Pennsylvania Auto Insurance

No matter what you drive, we can help ensure it is sufficiently covered. Contact Options Insurance Agency, serving the Hershey, PA, area. We will answer your questions, review your policy, and provide a price quote.

It can be easy to overpay on car insurance when you have an older car. Options Insurance Agency can help prevent this. Contact us.

We look forward to assisting you.