Pennsylvania's Insurance Agency

As with everything, there are common misconceptions with insurance. Car insurance especially. We’ll discuss just a few of the big ones, so in case you were wondering…after this, you won’t be.

#1 – Your credit score has no affect on your insurance rate.

Not true. It actually does come into play, and insurers to take it into consideration. When you’re first purchasing, changing or even adding new coverage.

#2 – If my friend borrows my car and gets in an accident, it’s their fault.

False again. It’s your car, so therefore it is your responsibility. Regardless of who was driving, you still run the risk of it going on YOUR record and YOUR premium going up. Though, there are loop holes. If the damage exceeds your limits your friends insurance could act as excess.

#3 – If I drive a red car, my insurance goes up…

How many times have you heard that the red sports car insurance is higher than the average? That may very well be true. But it wouldn’t be because of the color. Your rate is determined by many factors (year, model, make, engine size…etc) but color is not one of them.

#4 – I just paid my premium. So now my car is insured and I’m good to go!

True! Kinda…It’s required by most insurance companies that you notify them or an agent a few days after your purchase.

#5 – Even if I don’t have comprehensive, I’m still covered for wind, hail-stones, and theft.

Sorry, but no. Just because you have collision does not mean that you are covered. Collision is simply for driving accidents, anything more involved is covered under comprehensive.

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Si usted habla espanol, podemos ayudarle! Tenemos personas que hablan espanol! Llame hoy y pregunte por Hector.

In these hard economic times, money is always tight. And right around the holidays it gets a lot tighter. Some gifts here, cards there…things sure add up pretty quick! Florey is an agency who can relate to all of our customers. We know what it’s like and we love to help you when the going gets tough! There’s no better time to get insured by us. We’ll save you money quickly and hassle-free! Any time you hop onto our website you will see the option to get a free quote. There’s no reason you shouldn’t at least SEE what you could be saving. Who knows it might be some incentive to keep a couple extra hundred dollars in that wallet of yours. For the holiday season we have a full staff who is ready to help you in every way they can, and with over 35 available discounts and cooperation of multiple companies its easy for us to help you out! Also, here at Florey we like to consider ourselves “technologically advanced” (haha). We have a couple locations that hold our Insurance Kiosks where you can go to access our free quote service and speak to a licensed agent via webcam! This option is also available to those who would rather deal from home. If you don’t have computer access we still make housecalls and take regular phone calls. Any way you wish to do it, we’re here to accommodate you. So keep us in mind! www.floreyinsurance.com

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