Auto Insurance Quotes

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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

When shopping around for auto insurance, there are many things that will need to be considered. Asking questions and doing research is very important when you are looking for auto insurance quotes that suit your needs. Many people are quick to purchase the low-priced auto insurance which isn’t necessarily the best way to go about buying auto coverage.

 

Auto insurance is an effective way of protecting any automobile insured. It will save an immense amount of money if an accident should ever occur. Many people don’t believe that an accident is in their future and fail to buy auto insurance that adequately covers their needs. However, accidents happen all of the time, whether they were caused by you or someone else on the road.

 

When comparing auto insurance quotes, you should not just consider the ones with the lowest possible rates. Pay attention to the coverage and what it offers. There are several different types of coverage to select from, with the most common being comprehensive or collision. Many drivers will opt to purchase both.

 

Ask questions to the insurance agents at Body-Borneman with their four convenient locations in Pennsylvania and see if you are eligible for any discounts as well. This could help us lower the initial quote. We want to make sure that you understand what each auto insurance company offers before you decide to purchase their auto insurance.

 

What Might Affect My Auto Insurance Quotes

Quotes for auto insurance can be affected by many reasons. So many things can determine the premiums you are being quoted. There are several details that will affect your auto insurance and while some might be in your control, others are not:

 

  • Where you live may play a role on the quote you receive. Depending on where you live, your insurance might be more or less. Metropolitan areas such as New York City will be more expensive than a more rural town.
  • The vehicle you own is also a deciding factor. The car’s safety rating, age, type and the cost of repair will all affect your quote.
  • If you were just in an accident or had a traffic violation, the premium you receive could increase.
  • If you are paying month to month, you will pay more than if you paid the term in full.
  • A vehicle with a security system could make you eligible for a discount.
  • Many insurance companies offering auto insurance quotes will give you discounts for military status, students, seniors, and those with clean driving records.
  • Combining different insurances will help to decrease the total amount quoted.
  • Family insurance plans will affect a quote in various ways.
  • A person’s age will affect the quote. Young drivers typically cost the most to insure.
  • Females are statistically safer drivers. This might make their insurance rate lower than a male’s.
  • A person’s occupation can play a role in the quote given. If you travel often for work, this could increase the premium.
  • Married drivers typically pay less than single drivers.
  • A lower credit score might affect the quote given. Insurance companies view those with low scores as being irresponsible.

 

As anyone can see, some of the above listed will be in a person’s control, while others such as marital status or gender are not. While this might seem unfair, auto insurance is largely based off of statistics. Statistics show that certain specifics about a person might make them more at risk for an insurance claim. Insurance companies take this into consideration when supplying quotes.

 

What to Be Aware of When Receiving a Quote

There are some things a person will need to be aware of when receiving auto insurance quotes. Receiving quotes online is perfectly okay. However, talking with any insurance agent at Body-Borneman directly is always better. This will allow you to ask questions and consult with someone rather than going solely off of the quote received online.

 

Be careful when receiving quotes for auto insurance from various different companies. There are many scams out there especially on the Internet. Make sure that the company is licensed to sell insurance. You need to work with an agency you can trust. Body-Borneman has been serving Pennsylvania as well as 27 other states for over 40 years.

 

Gathering several auto insurance quotes through Body-Borneman and making sure that the quotes received covers everything you prefer to be covered is what makes a difference in the auto insurance you will obtain. Don’t just settle for a company due to their low insurance quote and really consider all facets of the insurance policy you are quoted for.

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