When it comes to auto safety, routine maintenance plays an important role, as your insurance representative at Richard Zeises Agency serving Jenkintown, PA, can tell you. Many vehicle owners don’t realize how vital wheel alignment is for safety. But if you want to do everything possible to help prevent your vehicle from being involved in an accident, schedule a wheel alignment soon.

Benefits of a Wheel Alignment

A wheel alignment is intended to ensure that the steering wheel is centered and that all four wheels are working parallel. Benefits include:

Better Fuel Efficiency

Poor alignment makes your engine work harder to propel your vehicle forward, wasting fuel. You may not notice a massive difference at the pump, but the savings will be when the wheels are correctly aligned.

Improved Lifespan For Tires

Tires are made in a certain way, with the expectation that they will work in alignment. When the alignment is off, the heaviest wear may occur "off-center," resulting in much faster tread wear. In turn, this reduces road friction, which might make it more likely that you’ll skid or otherwise lose friction in those important seconds before a potential vehicle impact.

More Accurate Steering

When wheel alignment is off, your car may drift in one direction or another, even though the steering wheel is aimed straight. If you don’t always have the wheel firmly in hand, this can quickly cause you to drive into something on the side of the road, like a mailbox, another vehicle, or even a pedestrian. And even if you have your hands on the wheel constantly as you should, you could have difficulties maintaining a straight course when the wheels are out of alignment.

Contact Richard Zeises Agency serving Jenkintown, PA, and surrounding areas for all your auto insurance needs. We’re here to help keep you covered on the road!

If you still owe money on your car loan or live in a rural area, there are several reasons why you may need comprehensive car insurance. With this coverage, you can get the money you need to repair or replace your vehicle following damage not related to a collision. Reach out to the knowledgeable insurance agents at Richard Zeises Agency to learn more about comprehensive insurance in Jenkintown, PA.

Do You Still Owe Money on a Car Loan?

If you finance or lease a vehicle, your lender or rental company will probably require comprehensive coverage. However, if you already own your car, the coverage is optional. We recommend investing in comprehensive coverage to ensure you have the money needed to repair non-collision damage due to vandalism or fire.

Do You Live in a Rural Area?

Deer, elk, and other wildlife sometimes wander onto the roadways directly into the path of oncoming traffic. You’ll need comprehensive car insurance to pay for the damage if you hit a large animal. Comprehensive insurance also covers the replacement cost of a stolen vehicle, assuming it’s written into your policy.

Do You Want "Everything but Collision" Coverage?

Comprehensive car insurance is sometimes called "everything but collision" insurance. It may include coverage for losses due to falling objects, fire, theft, animal damage, and natural disasters. It’s an excellent addition to the legally required property damage and bodily injury coverage mandated in Pennsylvania. So, you probably want it, especially if you have a newer vehicle.

Where Can You Get Comprehensive Auto Insurance in Pennsylvania?

At Richard Zeises Agency, our agents undergo continuous training to stay on top of the latest changes in comprehensive coverage. If you want to discuss how this coverage would benefit you, contact our team today! We’d love to provide a free quote or evaluate your existing auto coverage in Jenkintown, PA.

Whether you’re a new driver or have been driving for years, it’s crucial to have the right car insurance coverage. Having the right coverage can make driving in Jenkintown, PA much easier.

Let’s look at some car insurance add-ons available through the Richard Zeises Agency to help you get around safely and securely.

Auto Insurance Add-Ons

Rental Reimbursement Coverage

Rental reimbursement coverage helps pay for a rental car if your vehicle is damaged or stolen and not drivable. This coverage is beneficial if you use your vehicle for work, school, or other activities that require constant transportation. If you already have comprehensive and collision coverage, this add-on may be worth considering, as it helps ease the cost of a rental car while your vehicle is being repaired or replaced.

Emergency Roadside Assistance Coverage

No one enjoys being stranded on the side of the road with a broken-down vehicle, but it happens. Emergency roadside assistance provides peace of mind by covering repair costs in case of an unexpected breakdown, such as flat tires, running out of gas, dead batteries, and more. With this add-on policy, you won’t ever have to worry about being stuck on the side of the road without help again.

Glass Coverage

Glass coverage is an optional add-on to your existing car insurance policy that helps cover the cost of replacing windshields and other glass that may be damaged in an accident or from a flying rock. A glass add-on pays for the labor required to fix or replace cracked, chipped, or shattered glass without affecting your rates.

Get The Right Coverage For Your Needs

These are just some ways adding extra coverage to your auto policy could benefit you when driving in Jenkintown, PA. Contact us today to learn more about how Richard Zeises Agency can help customize an auto policy for your and your family’s needs!

If you have an auto insurance policy, you realize the importance of adequate coverage. At Richard Zeises Agency in Jenkintown, PA, we help our customers understand all aspects of their plans. For example, one common question we get is "does car insurance cover vandalism or theft?"

How Vandalism Or Theft Is Covered

Vandalism and stolen vehicles can be covered if someone decides to include comprehensive coverage. However, it’s also important to note that this coverage can be optional. Typically, people who lease or finance cars are asked to carry this coverage for their automobiles. It does become a choice when you own a vehicle, so it’s important to weigh your options and risk level.

Below are some examples of when someone would need to use their auto insurance policy (more specifically, their comprehensive coverage).

• An intruder attempts a break-in and smashes your front windshield.
• Someone steals your vehicle that doesn’t get recovered. The current value of your car would be estimated to receive payment ( after the deductible is applied) 
• Slashed tires or keyed vehicles 

If you have had a situation where your car was vandalized, it’s recommended to take photos and start the process of filing a claim. Here, it would also be necessary to contact your local authorities so proper documentation can be filed. If your vehicle is damaged, don’t do anything like try to move it on your own. That could cause more damage than you would be responsible for.

Find Out More About Auto Insurance 

Do you still have questions about what your auto insurance policy covers? We at Richard Zeises Agency in Jenkintown, PA have the answers for you. Don’t hesitate to give us a call for any concerns you have or what coverage you need for your family. 

Many Jenkintown, PA residents rely on a vehicle for their daily tasks, like taking children to school, driving to work, running errands, and much more. Cars are a convenient way to get around, particularly in the cold winter months when nobody wants to be outside in Pennsylvania. 

What is the required auto insurance in Pennsylvania? 

Pennsylvania requires that all drivers have some coverage, including $15,000 for injury or death for one person and $30,000 for injuries impacting two or more people. Additionally, each driver is required to carry property damage coverage.

If this seems minimal to you, it’s because it is! 

Auto insurance can provide a much bigger security net than the legal minimums the state requires. There are great coverage options and the team at Richard Zeises Agency wants you to know that you don’t have to skimp on coverage to get a great policy. 

Insurance options to protect drivers

Collision and comprehensive coverage are common types of coverage that many people elect to have. Underinsured motorist coverage ensures that you are protected if somebody who lacks the appropriate liability insurance hits your vehicle. Uninsured motorist coverage is the same, but for someone who has no auto insurance. 

It’s easy to feel confident and carefree while driving in Jenkintown, PA – gorgeous scenery, quality roads, and safe vehicles. 

Unfortunately, just because you’re a cautious driver and are aware of your surroundings doesn’t mean you may not encounter a dangerous or distracted driver. In order to prevent any financial stress or hardship should you get in an accident, auto insurance is the best coverage you can provide for yourself and your family’s well-being.

Richard Zeises Agency in Pennsylvania is ready and willing to help residents find a high-quality auto insurance plan that fits the needs of their lifestyle. Contact us today! 

Although you may do everything in your power to abide by Pennsylvania’s auto insurance laws, others may not be so careful. As a result, you may consider the possibility of paying for underinsured motorist insurance.

Richard Zeises Agency, which serves Jenkintown, PA, understands the complexities that come with underinsured drivers. Here’s what you need to know about protecting yourself against these motorists.

What Exactly Is Underinsured Motorist Coverage?

Underinsured motorist coverage ensures that you are protected if somebody who lacks the appropriate liability insurance hits your vehicle. There are several types of coverage you might consider as part of your policy.

Bodily injury coverage is part of underinsured motorist policies, covering things like medical bills. This coverage provides personal injury protection.

Underinsured motorist policies often encompass property damage coverage as well. This coverage protects property damaged by somebody without the appropriate auto insurance.

Pennsylvania Does Not Require Underinsured Driver Insurance

Pennsylvania requires that all drivers have some auto insurance, including $15,000 for injury or death for one person and $30,000 for injuries impacting two or more people. Additionally, each driver is required to carry property damage coverage.

Simply because you are not required to carry this coverage does not mean you should forget about it. If somebody without sufficient coverage causes an accident, your underinsured coverage may prevent you from paying money out of your own pocket.

Contact an Insurance Agent to Learn More

While underinsured motorist coverage is not a necessity in Pennsylvania, it is still a good idea to consider this option. If you have questions about protecting yourself and your property in Jenkintown, PA, check out Richard Zeises Agency for more information.

Getting the right kind of automobile insurance isn’t always a clear-cut process. There are some complicated factors that you’ll have to consider. You’d do well to have an independent agent on your side like those at Richard Zeises Agency of the Jenkintown, PA area.

Honesty with Insurance Dealings

When you’re working with an insurance agent through a legitimate agency rather than going with your auto dealer’s recommendation, you stand a greater chance at finding just what you need and avoiding the hustle. An agent can look into various companies for you and make sure that you’re getting the best rates possible for what you want and need. They’ll give you more information and explain anything that is confusing (there are definitely a lot of specific terms to the industry that a layman wouldn’t really know without a great deal of experience with auto insurance).

Learn How About to Make a Claim

If an accident occurs and you or someone else is injured, you’ll need to know how to file an insurance claim. Even under the best circumstances, most people become flustered when it comes to dealing with complicated paperwork. Your independent agent will be able to go over the steps with you to clear on what you’ll need to submit and who should be sent what documentation.

There are various other reasons you should hire a reliable insurance agent to put together your auto insurance policy. They’ll put your mind at ease and make it possible for you to enjoy life more instead of stressing about what will happen if you get into an accident or something happens to your vehicle otherwise. Give us a call at Richard Zeises Agency if you’re in the Jenkintown, PA area and are seeking auto insurance.

There are many things to consider if you’re planning to purchase a new vehicle. One major point is to figure out who your insurance provider will be before you make your decisions. Finance companies require full coverage insurance before you can drive away with your new vehicle. Part of having full coverage refers to having an adequate amount of comprehensive insurance.

Carrying Comprehensive Coverage

Comprehensive insurance coverage is designed to protect a vehicle owner or finance company from losses related to damages not covered by collisions insurance or by theft, fire, and other unusual events. Comprehensive coverage should be equivalent to the value of the vehicle. It should be in place until the vehicle is paid off, and the policyholder’s obligation to the finance company is met. If you need assistance with getting the right type of comprehensive coverage, turn to a knowledgeable insurance agent to guide you through the process. 

Agents are There to Help

An insurance agent is there to help potential clients discover what their current and future needs are, and then suggest insurance products that meet or exceed those needs. Using their guidance and resources is the best way to get the protection you need to have total peace of mind. Those who are currently shopping for auto insurance in the Jenkintown, PA area can count on Richard Zeises Agency to give them the support and answers they need to make an informed choice. 

Auto insurance is necessary to protect both lenders and buyers from losses. Enlist the help of Richard Zeises Agency insurance to get coverage in Pennsylvania. You need to avoid losses or issues while financing your vehicles. Call or stop by our office in Jenkintown, PA today to schedule an appointment.