Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

Because Dwyer Insurance is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be

Car — the type of car, engine size, safety features, etc.. are all part of determining the rate

Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old

Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

How to get started with your car insurance quotes

If you live in Devon and are looking for a car insurance comparison, Dwyer Insurance makes the process of finding the best company and price easy.

We do all the heavy lifting for you!

Contact Us!

Buying car insurance is made fast, simple, and affordable with Dwyer Insurance, Inc.. We are the area’s leading auto insurance broker, offering competitive packages at highly affordable price points. We help our clients save money and take the stress out of the equation, providing exceptional customer support every step of the way.

Ready to get started? Call us now at (610) 898-3810 to book a consultation with a member of our team today.

Find the Right Car Insurance with Dwyer Insurance, Inc.

As a car insurance company, we are committed to developing personalized solutions for each client. We’re not interested in selling you more than what you need. What we want is to help you find the best plan based on your precise needs and circumstances.

With that in mind, we offer a wide range of insurance plans from several different providers. By joining our network of customers, you’ll be able to enjoy greater purchasing power and more advantageous product options, including:

• Liability insurance
• Personal injury protection
• Protection against uninsured motorists
• Collision coverage
• Supplemental coverage (e.g., in case of theft, vandalism, or natural disaster)
• And more!

Whatever you’re looking for, you can trust our team to find a solution that fits your needs and budget. Get in touch with us now to see for yourself.

Shop the Most Competitive Car Insurance Plans Available

Choosing us as your insurance broker offers many advantages, but the defining one is simple:

Value.

Ultimately, using our services saves you money. As an independent insurance broker, we shop various coverage plans from different insurance providers, making sure we offer our clients a large number of policy options. By doing so, we allow you to compare different products and packages and find the best one for your budget. More choice—more money for you.

Vehicle Insurance Agents Committed to Client Satisfaction

We are an experienced team of brokers committed to helping our clients obtain quality insurance at an affordable price. That commitment is at the heart of everything we do. We provide compassionate customer support, open communication, and friendly professional advice, ensuring that every one of our clients gets the care and attention they deserve.

Whether you need a new car insurance plan, or you’d like help making a claim, our team is always happy to guide you through the process. From start to finish, we handle everything seamlessly so that you never have to stress about it.

We strive to help our clients before, during, and after we’ve found them an insurance plan. We are always happy to address any questions or concerns they may have, including after they’ve signed onto a policy. For us, insurance isn’t just about making a sale. It’s about keeping our community safe.