We all know that getting a proper auto insurance policy is one of the best and most effective ways to protect yourself on the road. However, choosing the proper insurance policy may be quite complicated because of so many misconceptions and myths about auto insurance. In order to help you with choosing an insurance policy, RH Worthington Group serving clients in Milford, PA prepared a list of myths that need to be debunked:

Myths About Auto Insurance

• Red cars cost more to insure. The truth is that there is no link between the car’s color and the cost of auto insurance. Insurance companies do not care about your vehicle’s color, and there are other factors that have an impact on the cost of auto insurance, including the age of your car, its condition, your credit score, location, and others.
• The expensive the car, the more you have to pay for insurance. The purchase price of your vehicle does not really have an impact on the cost of your insurance. There are many mid-priced cars that cost more to insure than luxury cars. 
• It costs less to insure smaller cars. There is also no link between the car’s size and car insurance premiums. 
• Getting a traffic ticket will increase your auto insurance rates automatically. If your traffic violation is minor, and it has happened to you just once, your insurance rate will stay the same. 

RH Worthington Group – An Insurance Company You Can Rely On

Are you looking for an auto insurance policy in Milford, PA or any other surrounding area, feel free to contact RH Worthington Group – an insurance company that specializes in all types of insurance, including standard auto insurance. Feel free to visit our website or give us a call if you want to know more about insurance options and rates.

The Milford, PA area is a great place to live as there are a lot of recreational options in the area and professional opportunities to pursue. If you are going to move into this area of the state, owning a car will quickly be considered a top necessity. If you would like to purchase a vehicle here, you also need to consider your insurance needs. There are various situations in which someone will need to have an auto insurance plan here. 

When Taking Out an Auto Loan

A situation when you are going to need auto coverage is when you are taking out an auto loan. Those that are going to purchase a vehicle with a loan will be required to carry a full auto insurance plan at all times. This can include requiring you to maintain both collision and comprehensive insurance. 

When Driving on a Public Road

If you are going to drive a car on a public road in Pennsylvania, you will always want to comply with state law regarding your insurance needs. In almost every situation, this means you will need to maintain a liability insurance plan that ensures you can cover damage you may cause in an accident. If you do not have this protection, you could face various penalties in the future. 

People that are in the Milford, PA area and need to get an auto plan for their vehicle should speak with the team at RH Worthington Group as soon as possible. If you are going to look for coverage, you will quickly find that there are a lot of different choices to consider. The team with RH Worthington Group can help you assess your options and choose a plan that will provide you with ideal coverage. 

When you are a resident of the Milford, PA area, you will want to know that you have an efficient way to get around the community. One way that you can do this is by investing in a car or other vehicle. Along with your vehicle purchase, you should also get auto insurance. Those that have auto insurance can receive several types of coverage that can prove to be quite valuable.

Coverage to Replace Vehicle if Needed

One of the reasons you should have auto insurance is to have the support to replace your vehicle in some situations. If you have a stolen or damaged your car in an accident, the cost to replace it can be significant. Fortunately, you can do this if you have a collision and comprehensive insurance plan, as it will provide the resources you need in these scenarios.

Liability Protection

Vehicle owners are going to take on liability risk regularly. If you decide to invest in a full auto insurance plan, you will also receive liability insurance coverage, which can help cover your cause’s damages. This coverage will also be required by state law in Pennsylvania. If you do not have it, you could be penalized. 

If you are going to buy a vehicle in the Milford, PA area, you need to have proper insurance protection at all times. As you are looking for your next plan in this area, calling the RH Worthington Group can be a great option. There are some important factors to consider when looking for insurance coverage and RH Worthington Group can help ensure you make a wise decision. The team here can also help ensure you remain properly covered at all times with a plan that is ideal for your situation.

Pennsylvania is not one of the larger states, being 32nd, but when it comes to miles of roads, it is 19th with 250,000. It is a great place to ramble along the back roads and enjoy the scenery and history. Like most other states, Pennsylvania does mandate basic insurance coverage. If you live in or near Milford, PA, the RH Worthington Group is an independent agency that works for our clients. We make sure you have the right coverage for your needs and are in compliance with the law. 

You are required to have auto liability insurance. In Pennsylvania, it is 15/30/5. This is fundamental coverage, with $15,000 injury coverage for a single person maxing out at $30,000 per accident. Property damage is only $5,000. If you drive without auto insurance, you may be liable for the following penalties:

• A fine of at least $300
• Your license is suspended for 3 months.
• A loss of your vehicle registration for 3 months
• A fee to get your license back
• A fee to get your vehicle registration back

If your vehicle has an auto loan or is leased, there are other insurance requirements. The vehicle itself needs to be protected with comprehensive and collision coverage. 

But is the required insurance enough coverage to protect you? The simple answer is no. The liability insurance requirements are very low. The $5,000 property damage will leave you paying a lot of money out of pocket if you are the responsible party in an accident with anything but an old clunker. 

Talking to an insurance agent you trust can help make sure you are adequately protected. At RH Worthington Group in Milford, PA, we take the time to get to know our clients and make sure they have all the protection they need. Give us a call to set up an appointment for a no-obligation quote. 

Having a family of drivers can be a challenge. As your children become teens and get to the age where they will be getting drivers lessons and eventually their licenses, you may start to be concerned about how this will affect your auto insurance policy. Without a doubt, it will affect the rate you will pay for auto insurance, but can you add additional cars and drivers to your auto policy? Having an insurance agent whom you trust can make the whole process a lot easier. In Milford, PA, RH Worthington Group is the go-to agency. 

The answer to "Can I have more than one car on my auto policy" is yes! How many autos you can have varies from one carrier to another, however. Most families these days have at least two cars, but if you have several children, it could go as high as four or five. The number of drivers will also rise, maybe even higher than the number of cars. Not every carrier will be okay with these numbers. 

Choosing the right carrier is vital in these situations. If you have a carrier whom you prefer who doesn’t allow the number of cars or drivers you need on one policy, some of them will issue a secondary policy at a significantly reduced rate so they can work with you. 

The good news is we are independent agents, and we work for you, not one carrier. We have top carriers we can shop, and we can find the best coverage for your particular situation and at a price that works for you. At RH Worthington Group in Milford, PA, families are our business and your family in particular. If you have questions about auto insurance that we can help you with, give our office a call to talk to our team.