Low Income Auto Insurance

Can I Trust Cheap Online Car Insurance? We all love online shopping — that’s a fact of life in the 21st century. Not only is the convenience factor unbeatable, but shopping online oftentimes allows you to snag the best bargains. So the question is — can you trust cheap online car insurance ? It’s definitely tempting to buy cheap auto insurance online, but at Unruh Insurance, we’ve seen it go wrong too many times for us to recommend it. After seeing drivers who have tried it once and have gotten burned, we think that buying cheap online car insurance is about as app...

  Why Do Younger Drivers Get Higher Insurance Rates? At a young age, the cost of car insurance may come as quite a shock for most teens. With premiums much higher than those experienced by older drivers, many wonder why buying car insurance is so expensive when they are just starting. In this blog post, we will explore the factors that can cause car insurance to be costly for teen drivers and how one might find an affordable policy despite these obstacles. Common Factors that Affect Insurance Rates Driving Record : Young drivers may lack experience on the road, leading to more accidents or traffic violations. As a result, they can be considered higher risk and have higher premiums charged by insurance providers. Where You Live : Depending on where one lives, certain areas come with a higher cost of living, resulting in higher premiums for car insurance overall.  Drivers Age : Teens are viewed as inexperienced drivers an...

  SR-22 & Insurance - What is it and how does it work? What is an SR-22? An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR-22 is not an actual "type" of insurance , but a form filed with your state. This form serves as proof that your auto insurance policy meets the minimum liability coverage required by state law. Is there a difference between the SR-22 and the FR-44 form? SR-22 and FR-44 forms are both types of financial responsibility filings required by some states for individuals convicted of certain driving offenses. The SR-22 form is commonly required in many states for drivers who have been convicted of offenses such as DUI, driving without insurance, or multiple traffic violations. Essentially, an SR-22 is a certificate of insurance that proves a driver has the minimum required auto insurance coverage mandated by the state. This form is filed by the driver...

Liability Only Car Insurance: Is it Ever a Good Choice? For drivers with extremely tight budgets, liability-only car insurance can seem like the smartest option. While the potential to pinch your pennies is there, liability coverage can end up costing WAY more in the long run. So, what’s the right insurance coverage for you? At Unruh Insurance, we’re the insurance agency that tells you the truth — even about the times when liability insurance is enough for you. We want you to know how to make the best decision for your unique situation, so here are some guidelines ...

  Visa Car Rental Insurance Perhaps you are planning a cross-state vacation or business trip, and you need to know where you stand with your credit card and precisely what protection it offers ITO rental car coverage. If you hold a Visa card, chances are good that you could be up for free collision insurance. The word 'free' is laughable so take it with a pinch of salt and always scrutinize the small print carefully. This article serves simply as a guide to using your Visa credit card for car rental insurance. Always check with your insurance broker or the Visa call center in case new terms and conditions apply.   In Review: Visa Car Rental Insurance To qualify for auto rental insurance through your Visa credit card (all card options), you must charge the entire cost of the rental to the credit card. Keep all receipts. Should a mishap occur, you likely have to submit proof to Visa that you did in fact rent the vehicle using your Visa credit card. C...

Four priorities when you buy classic car insurance Your classic car insurance policy should protect your vehicle’s value. Classic car insurance policies are designed for high-value vehicles that generally don’t get as much usage as average vehicles used for everyday commuting. Patrick McNealis Insurance and Financial Group offers classic car insurance to consumers in Emmaus, PA. When you buy classic car insurance, there are a few priorities you should focus on. The following are four priorities when you purchase classic car insurance.  Choosing a policy with agreed-value coverage Agreed value coverage ensures you won’t be compensated significantly less for your vehicle after it depreciates in value. It’s a good idea to choose an agreed-value policy rather than an actual cash-value policy to ensure that you’re getting adequate coverage.  Including inflation protection With inflation protection, the agreed value you receive for your motorhome, if it is totaled, will be adjusted...