Alan K. Warfield

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Real Estate & Insurance Services

Auto and Vehicle Insurance

Is it time to update your auto insurance?

Call us or email us to discuss your particular needs to get a quote from any or all of these companies:

• Harleysville Group and
• Allied Insurance (both part of Nationwide Insurance),
  
• Progressive.

   

Information you need for a Vehicle Insurance quote:

A. Driver Information

1. Name of all drivers in household exactly as appears on license
2. Date of birth for all drivers in household
3. Operator's license number for all drivers
4. Social Security numbers of all named insured.
5. Address of physical residence
6. Mailing address
7. Telephone number including area code
8. Name of your present insurance company
9. Start and end date of current policy
10. Number of years insured with present company
11. Number of years driving
12. Number of years licensed
13. Good student?
14. Finished a driver training course?
15. Taken a driver improvement course?
    
    

16. Your Driving Record

    
    
    • Not-at-fault accidents:
      Number of accidents within the last 3 years that were officially not your fault
      For each one, what dollar amount was received?
    • At-fault accidents:
      Number of at-fault accidents within the last 3 years
      For each one, what dollar amount was paid out?
    • Convictions:
      Number of convictions within the last 3 years
      Was there a suspension or revocation of license?
      Nature of conviction:
      • Driving under the influence
      • Reckless driving
      • Speeding
      • Hit & run
      • Failure to stop for school bus
      • Failure to stop at stop sign
      • Running a red light

B. About your Vehicle(s)

Type of Vehicle(s):

1. Year, Make, Model
2. For new vehicles: "cost new"
3. Vehicle Identification Number
4. Anti-Lock Brakes (All 4 Wheels)?
5. Anti-theft/Alarm system ?
6. Do you have On Star or LoJack?
7. Air bags: None, Driver side only, Dual, Dual & Side?
8. Address where the car is garaged or parked

Use of your Vehicle(s):

1. Primary use of each vehicle:
   • Personal
   • Commute to work
   • Used for business
2. Number of miles one way to work, number of trips per week
3. Total miles driven annually (per vehicle)
4. Who usually drives the vehicle?

C. Coverage Choices

Tort  

• Full tort
• Limited tort

Liability

• Bodily injury limit
  $ 15,000 per person / 30,000 per incident (minimum required in PA)
  Increased coverage options: 15k/40k · 25k/50k · 50k/100k · 100k/200k · 100k/300k · 250k/500k · 500k/1 million
• Property damage
  $ 5,000 (minimum required in PA)
  Increased coverage options: 10k · 25k · 50k · 100k · 250k

First party benefits

• Medical expense - $ 5,000 (minimum required in PA)
  Increased coverage options: 10k · 25k · 50k · 100k ·
• Work loss (optional) - $ 1,000 monthly / $ 5, 000 total
  Increased coverage options: $ 1,000 / $ 15k · $ 1,500 / $ 25k
• Funeral expense (optional) - $ 1,500
  Increased coverage options: 2,500
• Accidental death (optional) - $ 5,000
  Increased coverage options: 10k · 15k · 25k
• Extraordinary Medical Expense Benefit (optional) - $1,000,000

Uninsured motorist (optional)

There are more and more drivers who are underinsured or illegally driving without insurance at all. Make sure your insurance will cover your expenses fully by purchasing this optional coverage.

• Stacked or unstacked?
• Coverage options - $ 15,000/30,000 · 15k/40k · 25k/50k · 50k/100k · 100k/200k · 100k/300k · 250k/500k · 500k/1 million

Underinsured motorist (optional)

• Stacked or unstacked?
• Coverage options - $ 15,000/30,000 · 15k/40k · 25k/50k · 50k/100k · 100k/200k · 100k/300k · 250k/500k · 500k/1 million

Physical damage(optional unless bank requires it)

• Do you need comprehensive and/or collision coverage? (What is the estimated market value of your vehicle?)
• Collision deductible options - $ 1,000 ·500 · 400 · 300 · 250 · 200 · 100
• Deductible options for damage other than collision - $ 1,000 · 500 · 400 · 300 · 250 · 200 · 100 · 50
• Towing / Disablement -25 ·50 · 75
• Transportation Expense / Rental Reimbursement -30 ·40 · 40

See more details on Harleysville Group's car insurance policies and their advice on ways to get the most out of your Auto Insurance.