Life is complicated. Auto insurance shouldn’t be. With Glacier, it’s simple: You can get the coverage you need at a price that keeps your wallet smiling. The first step is to figure out what kind of insurance you need.
What kind of car insurance is best for you?
You can custom design your auto insurance policy so it gives you the coverage you need without having to pay for coverages you don’t. So what are your options? Here are some factors to consider as you choose the Glacier policy best suited for you:
If you get in an accident and it’s your fault, liability coverage helps compensate the other person for their expenses. There are two kinds of liability coverage:
- Bodily injury liability coverage covers you if the other person gets hurt and they have medical expenses. For example, if they require medical treatments, this coverage protects you from out of pocket costs up to the limits purchased.
- Property damage liability coverage can help prevent you from paying for damage to the other person’s property, such as their car. For instance, if you rear-end another vehicle and knock out a tail light, this policy can pay for the repairs.
If you get in an accident and your car gets damaged by another object or vehicle, collision coverage helps pay for the damages to your vehicle. Even if you don’t hit anything, but the vehicle rolls or tips over, collision coverage will still help you pay for the repairs.
Collision coverage does not cover non-driving-related damage, like a tree branch falling on your vehicle or damage from a storm. It also doesn’t cover damage to another person’s vehicle or anyone’s medical expenses.
If your vehicle gets stolen or damaged in something other than a collision, comprehensive coverage helps pay for replacement or repair. It covers things that don’t fall under collision coverage, such as flood/hail damage, vandalism or if your vehicle gets hit by hail or a tree branch.
If an insurance company think you are at a higher-than-normal risk for getting in an accident, you may have to get high-risk coverage. For example, If you’ve missed payments, you’ve been in one or multiple accidents, received more than one speeding ticket or been found guilty of other traffic violations, you may have to get high risk coverage. Also, if you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you may need to get high-risk coverage.
SR 22 refers to a form you may need to fill out that is used to prove you have car insurance. They’re typically required for people who are considered “high-risk” drivers. For instance, if you’ve been convicted of a DWI or DUI, reckless driving, driving with a suspended license or without insurance, you may need an SR 22.
The term “full coverage” refers to a combination of several different types of coverage that can take care of you in a variety of situations. The term is subjective; it depends on the situation of the insured. For example, “full coverage” could refer to everything your state requires. It could also mean you have all the coverage you need for your particular needs.
If your credit is less-than-perfect, many auto insurance companies will make you pay more for insurance. It doesn’t seem fair, but it’s true. Even if you have a good driving record, these insurance companies will increase your premium as much as an extra several hundred dollars a year because of your credit history.
How to get a cheaper auto insurance premium
With Glacier, you can get less-expensive auto insurance that still gives you all you need to feel safe and secure while driving. Glacier gives you the insurance required to drive legally in Pennsylvania—all without holding your credit score against you. With Glacier, your insurance is cheaper because Glacier does not use credit when determining your premium.
What are the benefits, and how can you reduce your rate?
With Glacier, you have the advantage of knowing you’re getting exactly what you need without having to pay for extra add-ons that drive up the cost of coverage. Our policies are easy to understand, and we’re ready to answer any questions you have.
Glacier allows you to choose the coverage you need while keeping you legal at a price you can afford.
Looking for Pennsylvania car insurance? Here’s what’s required and optional
In the state of Pennsylvania, by law, you need the following coverage:
- Bodily injury liability coverage in the amount of $15,000 per person and $30,000 per accident
- Uninsured motorist coverage for $15,000 per person and $30,000 per accident
- Property damage liability coverage of $5,000
- Underinsured motorist coverage for $15,000 per person and $30,000 per accident
- First party benefits of $5,000
You also have the option of requesting to reject the underinsured and uninsured motorist coverages in Pennsylvania.
Additional coverages and limits are also available.
This is how we make car insurance easy
We believe getting car insurance should be straightforward, and we’re committed to making the process easy for you. We hone in on the coverage you need to operate legally so you don’t have to factor in a bunch of extra stuff. We also help you personalize your coverage so it meets your needs.
To make it affordable, we have several down payment options and payment plans. Once you know how much coverage you want, we work with you to figure out the best way to pay for it. Your costs are lower because we’re not going to slap on extra fees just because your credit score is less-than-ideal. With Glacier, you can feel confident that you’re getting complete, fair coverage at a good price.