Auto Insurance

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Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page
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Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page
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Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance

It’s advised that when shopping auto insurance policies, that you should get quotes from various insurance companies to compare and make an informed decision on the one that suits you best. There are many different considerations to make when choosing your car insurance company. We at Body-Borneman with four offices in Pennsylvania take everything into consideration to get you the best possible coverage at cost. Here are the many steps needed to finding the best option for your car.

Your Provider’s Auto Insurance History

car 2Check the past history of the company. For starters, if the company has had any legal or financial problems in the past, that is a sign of instability. Make sure the insurance company is licensed to provide service in your state. Your state insurance department can provide this information. Research and check the complaint records of the company via the National Association of Insurance Commissioners, which has a database of complaints filed with state regulators. Immediately after making your first payment, be sure that you receive a written policy. Read all of the information provided and check that you fully understand all the details.   When you have a few comparable quotes and know which company offers the lowest price for your policy, you will still need to check the reliability of the auto insurance company. Your State’s Department of Insurance is a good resource for finding this information, and they will also allow you to compare premiums for insurance companies in your state.

Your Driver History

car 1Many considerations are made to determine the rate that you will pay for car insurance. The price each of us pays can vary greatly based on several factors. Body-Borneman considers many aspects in order to give you the best possible insurance rate quote. Things like the driver’s age, years of driving experience, what kind of safety features the car has, and whether or not you have antitheft devices installed, are all variables that will affect the price you’ll pay for the particular level of coverage you choose.   One factor that plays a particularly important role in the auto insurance sector is the driver history. In much the same way that your credit rating determines what kind of interest rate you’ll get when you are applying for financing from the bank, your driving record will influence your insurance rate.

Finding The Coverage You Need

The Consumer Reports Association states a general guideline for adequate injury liability, and those limits are $100,000 per person and $300,000 per accident, plus $100,000 for property damages. It is possible that your state sets forth the minimum liability coverage you must maintain. These are, however, just the legal minimums and might not give you the full coverage you need. Therefore, you will have to decide what you want to buy beyond these minimums. You should bear in mind that you are looking to find the balance between having adequate coverage and not overpaying.   Also, you can always supplement your auto insurance policy with specific protections, for instance, comprehensive and collision coverage. Comprehensive pays out when your car is damaged or lost due causes other than an accident (vandalism, theft, weather). Collision coverage will pay to repair your own car after an accident. The average cost for this coverage usually ranges anywhere from $250 to $1,000.

With Body-Borneman Auto Insurance You Can Get Discounts:

  • for long-time policy holders.
  • when you choose to have one or more policy with them.
  • for having safety equipment in the car.
  • for young drivers maintaining a B average or better at school.
  • for drivers who complete a driver’s education or driver’s safety course.
  • and Higher deductibles for lower premiums.

Finally, in addition to all the details discussed in this article, you should always remember these things when you want to buy auto insurance:

  • The Deductible: policies vary in how much they expect you to spend when filing a claim. They can vary depending on the type of coverage you’re claiming against.
  • The Discount: there are many different discounts that may be available to you when insuring your vehicle, including discounts for a good driving history, for renewing your policy, and many other factors.
  • The Coverage: You want to make sure that you know exactly what you’re getting and what you’re paying for. Should your car have a low replacement value, you can save on monthly costs by choosing your options wisely.

At Body-Borneman in Pennsylvania, we pride ourselves on finding the best service, companies, and ultimately, the best plan for our auto insurance, life insurance and homeowners insurance customers. We work diligently to get you every possible discount and the absolute best coverage to cover your needs. We are always available to speak at length about your auto insurance needs. Call us today for a free quote.
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