Auto Insurance Quote Forms
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Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance can provide liability coverage, medical coverage, coverage for physical damage to your vehicle, uninsured and underinsured motorist coverage, rental reimbursement, work loss, accidental death and many other coverage options. It is important to know what is included in your policy before an accident occurs.
An auto insurance policy is comprised of many different kinds of coverage. Pennsylvania requires you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, Pennsylvania law requires vehicle owners to maintain financial responsibility.
What insurance coverage should I purchase?
The Independent Agents at Rutt Insurance are advocates for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare to purchase or review your own auto insurance policy:
- How much can you afford to pay if you get in an accident?
- Do I need to keep physical damage coverage on an older vehicle?
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy, and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)