Hazleton Car Insurance

Your Complete Guide to Hazleton, PA Car Insurance

If you need coverage for an affordable price

Once a large lumbering settlement turned coal mining town, Hazelton, PA, is a dynamic city. Hazelton is known as a family-friendly place to lay roots. 

When you drive these busy streets with 24,723 residents, you'll need a car policy. An independent insurance agent can help with coverage for a fair price. Connect with a local adviser in your area to begin.

Optional Car Insurance Coverage in Hazelton, PA

If you want more than liability coverage on your auto policy, you'll need to add it. Additional policy options are available whether you have a snowmobile or an SUV. You'll need to determine which is best for you.

Car Insurance Options in Hazelton, PA:

  • Gap coverage: Pays for the difference between your car loan's remaining balance and the market value when a total loss occurs.
  • Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
  • Comprehensive coverage: Will pay for property damage to your vehicle that is hit by an unavoidable obstruction, or is damaged by a non-collision event such as a fire, severe weather, or vandalism.
  • Collision coverage: Pays for property damage to your car in the event of a crash.
  • Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 

An agent can help you choose which coverages are right for your car. When you're unsure where to begin, have your adviser do a policy review. A Hazelton independent agent can discuss your optional coverages to get you started.

Uninsured Motorists Insurance in Hazelton, PA

Uninsured/underinsured motorist, or UM/UIM, coverage is optional in Hazelton but necessary. Uninsured drivers are everywhere, and you'll need UM/UIM for protection. Take a look at the percentage of uninsured drivers:

  • National: 13.0%
  • Pennsylvania: 7.6%

The best way to safeguard your loved ones is to have proper car insurance coverage. UM/UIM insurance will pay for your expenses from an accident with an uninsured driver. Contact a Hazelton independent agent to discuss your UM/UIM coverage.

Car Insurance Required in Hazelton, PA

Similar to your homeowners insurance, the choice to have higher liability limits is yours. Hazelton, PA requires the minimum limits of liability to use the roads, but you may want more insurance. Let's take a look at the state-mandated coverage in Hazelton, PA:

  • A minimum liability of $15,000 per person/$30,000 per accident/ $5,000 property damage.  

Liability is one of the most used coverages on your auto insurance. That being said, your limits need to be adequate. Connect with a local independent agent to go over your policy. 

Theft Rates and Your Car Insurance in Hazelton, PA

Local crime is an issue no matter where you live. The amount of criminal activity that takes place will have an impact on your premiums. Let's take a peek at the theft rates per 100,000 vehicles:

  • National rate: 228.90
  • Pennsylvania rate: 102.40
  • Hazelton rate: 146.10

Like life insurance, you'll need to choose coverage before the worst happens. When your vehicle gets broken into, comprehensive insurance can help replace stolen items. Discuss how the theft rates will affect your pricing with an independent agent. 

Car Insurance Pricing in Hazelton, PA

The cost of your car insurance is different from anyone else's. This is because your policy and rates are individualized to you. Some rating factors the insurance companies use are:

  • Catastrophes and natural disasters
  • Your claims history
  • Your insurance score
  • The coverages you choose 
  • Local crime rates 
  • Policy discounts that may apply 
  • Your driving record

For the carriers to make up any future losses their reserves might take, they factor in various factors. Your premium will depend on how much risk you transfer to the insurance company. Speak with a Hazelton independent agent to discuss your costs. 

Does Your Auto Policy Cover Livery Services in Hazelton, PA?

When you use a personal vehicle for rideshare or for-hire livery service, coverage may not be there. If you have any business operations, you are considered a commercial entity by the carrier. Ask these questions when speaking to your independent agent about livery or rideshare services:

  • Does my current auto policy provide coverage when transporting people or parcels?
  • Does my current auto policy provide coverage when I am off the clock?

Your agent will probably suggest a commercial auto policy to have adequate coverage. Livery services are considered a business, and you'll need the policy to cover that exposure. Get with an independent agent to discuss your commercial insurance. 

Connect with a Hazelton, PA Independent Insurance Agent

If you're searching for the best coverage at an affordable price, an independent insurance agent can help. They work with several carriers, giving you the most options. 

When you need a policy that's sufficient from an adviser you can count on, go to TrustedChoice. You can use the find-an-agent tool to connect with a local expert in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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