Auto Insurance Quote Forms
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Auto Insurance Information
From accidents caused by slippery roadways to parking lot fender benders, the risks facing PA drivers are many. We routinely provide motorists in Zelienople, Jeannette, Pittsburgh, and the surrounding areas with comprehensive auto insurance.
At Jack L. Bonus Insurance, we take a consultative approach to insurance. Whether a new teen driver or seasoned veteran, we work with our clients one-on-one to determine needs and exposures en route to the right policy.
Liability Coverage, Collision Coverage, Accident Forgiveness and More
By working closely with our clients to identify risks, we are able to match them with the right coverages. In addition to insurance for motorcycles, classic cars, high-performance cars, and non-standard cars, we also offer traditional products such as:
Uninsured & Underinsured Motorist Coverage
Minor Violation Forgiveness
24-Hour Customer Service
Personal Injury Protection (PIP)
Medical Payments Coverage
After identifying the appropriate coverages, we turn to reputable carriers such as Nationwide and The Hartford for the best price and policy. To get started, request a quote.
Common Auto Insurance Questions:
What is auto insurance?
Auto insurance is, in many ways, a contract between a car owner and an insurance agency that states the insurer will help assist financially in the case of an accident to help alleviate significant damage costs. The amount the insurance agency provides depends on the type of policy the car owner has. The benefit of auto insurance is that the driver can feel safe knowing that they’ll have financial assistance in the unfortunate case of an accident.
How does auto insurance work?
Costs tend to get very high for car accidents. Auto insurance is a guarantee that you will be assisted financially, in some type of way, to keep out-of-pocket costs down. Following an accident, you will file a claim and, depending on what you are responsible for, you’ll be given a certain amount of money to assist with damage costs. It’s important to have proper coverage to avoid paying hefty out-of-pocket costs.
What does auto insurance cover?
The average auto insurance policy can offer numerous benefits, including:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Rental car reimbursement
Is auto insurance required?
The required coverages are:
Settling for the bare minimum coverage is something you will want to avoid, and our agency will assist you in picking the right coverage for you and your vehicle.
Medical Benefits (No-Fault): $5,000
Bodily Injury Liability: $15,000 per person/$30,000 per accident
Property Damage Liability: $5,000
Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.
Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages - such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party."
Collision, comprehensive and gap coverage policies might also be required for car owners who decided to finance their vehicles.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
Although there are some car owners who pay different prices for the same auto insurance policy, we assure you that we will use our knowledge and experience to assist you in finding the best, most reasonable coverage.
Your chosen coverage limits
The value of your vehicle
Your driving accident history
Your history of claims on other auto policies
Where you live
Keeping Our Clients Protected
At Jack L. Bonus Insurance, we take your auto insurance seriously and will ask all the important questions to ensure that the right policy is in place. We are dedicated to providing exceptional customer service and always have our customer’s best interest in mind. We are there to answer any of your questions or concerns.
Contact us at your convenience to learn more about our products and services for drivers.