Personal Insurance / Auto
Auto Insurance
Most people buy auto insurance once and then let it renew for a decade. Rates move, carriers change what they want to write, and the policy that was competitive in 2019 usually is not competitive now. As an independent agency we can put your driving record in front of several carriers at once and tell you which one wants it.
What It Covers
The parts of the policy, in plain terms.
Liability
Pays for injury and damage you cause to other people. Pennsylvania's required minimums are low enough that a single serious accident can blow straight through them, which is where the rest of your assets start to matter.
Collision and comprehensive
Collision handles damage to your own car in a crash. Comprehensive handles the rest: deer, hail, a tree limb, theft, a cracked windshield on the Casey Highway.
Full tort vs. limited tort
A Pennsylvania-specific choice that saves a little on premium and gives up your right to sue for pain and suffering in most accidents. It is worth understanding before you pick it, not after.
Uninsured and underinsured motorist
Covers you when the driver who hit you has no insurance or nowhere near enough. This is the coverage people are most often thin on and most often need.
How it plays out
Someone runs a light on Mulberry Street and totals your car. They carry the state minimum, your medical bills run past it, and their policy is exhausted. Underinsured motorist coverage on your own policy picks up from there. Without it, that gap is yours.
Placed with
- Nationwide
- Progressive
- Travelers
- Allstate
Frequently Asked Questions
Auto Insurance questions we get.
Should I take full tort or limited tort in Pennsylvania?
Will bundling my home and auto actually save money?
How much liability coverage do I actually need?
Can you write auto insurance outside Pennsylvania?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Boat & Watercraft
The boat, the motor and the trailer, on the water and on the road.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file