At the Daniel C. Hogan Agency, we work with every client individually to develop an insurance program which is custom designed to meet their needs. If you thought all insurance companies were the same...let me tell you, Nationwide is different...my agency is different. My agency understands the need to make insurance buying simple, yet have an expert guide you through the process.
Insurance can be complex, but we will make it simple for you. We promise to walk you through the coverages, limits, and discounts available to you, allowing you to understand your options and make your own decisions.
Nationwide offers convenient payments plans including monthly EFT at no additional charge.
We want to be your insurance agency.
Licenses / Credentials:
• Licensed Insurance Producer - PA, MD, and NJ
Daniel C. Hogan Auto Insurance Agency is an experienced Allentown auto insurance agency who will work with you to determine the products and services right for your specific needs.
Allentown Auto Insurance: Staying Insured in Tough Times
In these tough economic times, everyone's looking for ways to cutback. For most of us there are areas where we could reduce our spending to save a little extra cash, but auto insurance shouldn't be one of them. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. What if you're in an accident and have no coverage for medical expenses? Don’t let your insurance policy lapse without talking to a qualified Allentown auto insurance company.
In the case of an accident, your auto insurance policy is there to protect you. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. Your insurance can provide protection in the case of a lawsuit, if you are found liable for a vehicle accident. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
Allentown Auto Insurance: How Much Coverage Do You Need?
If a tight budget has you rethinking your expenses, maybe it’s time to go over your policy with your Allentown auto insurance agent. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Remember that everyone’s situation is different and what might work for someone else might not be right for you. By going over your policy with a skilled Allentown auto insurance agent, you can weigh your options and possibly find some potential savings.
Start by finding out how much insurance coverage you really need on your vehicle. There are minimums that the law requires you to carry. These include bodily injury and property damage coverage, but these minimums do not always provide sufficient coverage. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. The Allentown auto insurance agent can advise you on exactly how much coverage you need.
Allentown Auto Insurance: Finding the Savings
Once you and your Allentown auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Do you have car rental coverage? If your policy coverage includes the cost of a rental car, it can add to the cost of your insurance. Again, this will depend on your particular needs. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. To determine what things you can safely drop from your policy and still be sufficiently covered, you should talk with a reputable Allentown auto insurance carrier.
What kind of car do you drive? You might be able to drop your collision coverage if you have an older vehicle. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. But this only applies to the collision coverage of your insurance policy. No matter the year of your vehicle, you still need to have the basic required coverage. A qualified Allentown auto insurance company can help you crunch the numbers on the age and value of your particular vehicle to see if you can save some money.
Ask your Allentown auto insurance agent about taking a higher deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. One of the simplest ways to keep your auto insurance rates down is to increase the amount of your deductible. By accepting a higher deductible you could be saving a considerable amount of money annually. If you do go with the high deductible, make sure you can afford it if you need to file a claim against your policy.
Allentown Auto Insurance: There for You When You Need Help
Another possible way to find some substantial savings on auto insurance is to find out if there are any discounts available from your Allentown auto insurance carrier. Ask about a discount if you purchase more than one type of insurance from the same company. Get all your insurance from one company and save money at the same time. This is especially true if you can get your homeowner’s and auto insurance through one carrier. Ask your Allentown auto insurance agent about this option.
You may be able to get additional discounts from your Allentown auto insurance carrier. How much do you drive? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you over 55 years old? Ask about senior driver discounts. Older drivers are usually considered to be safer drivers. Sign up for a driving safety course. These refresher courses not only help improve your driving skills. but can save you some money as well. Find out what discounts might be available by talking with the auto insurance company.
Don’t let financial difficulties make you do without the necessities. If you drive, you need auto insurance. Any money you think you might save is not worth the risk of driving without it. Discuss your situation with a qualified Allentown auto insurance agent. He’s there to help you find affordable solutions. Remember that every driver’s circumstances are different, but there are things you can do. Talk with your Allentown auto insurance agent if you’re feeling the pinch of these hard economic times. It’s possible he or she can help you improve your auto insurance coverage and save a little cash in the process.