Custom Car Insurance Plans

Do you feel you're paying too much for car insurance? Do your rates keep going up, even though you've never had an accident?

Finding affordable car insurance that meets all your coverage requirements can be a challenge.

If you're like many folks these days, you probably spend a lot of time surfing the internet and making price comparisons. While this process may lead you to a low-cost policy, you could end up with a generic plan that doesn't provide the best protection for you and your family. 

Lewis Insurance and Financial is a full-service agency that offers customized car insurance specifically designed for each policyholder. We recognize that everyone's circumstances are different. We'll work with you to create a plan based on factors such as your driving habits, age and type of vehicle, and financial situation. We represent many of the industry's leading carriers, ensuring we can offer the ideal car insurance policy for your needs and budget. 


Limited Tort vs. Full Tort Plan

Pennsylvania vehicle owners may purchase a full or limited tort car insurance plan. Full tort, which is the more expensive option, provides the right to sue for all damages (including punitive damages) you or your passengers incur due to injuries resulting from an accident that's not your fault. Limited tort, on the other hand, does not allow you to sue for pain and suffering. Our agents will help you decide which tort option is better for your situation.

Full Coverage vs. Liability

Another crucial decision we'll help you make is whether to carry full or liability-only coverage. Full coverage, also known as physical damage, protects your automobile, while liability pays for the injuries and property damage sustained by others if you cause an accident. While vehicle owners in virtually every state must have at least a minimum amount of liability insurance, physical damage coverage is optional unless you are financing your vehicle and the lender requires you to carry it. 

Family Policies

We can also provide a car insurance plan for the entire family. When the teenagers in your household become licensed drivers, you'll need to add them to your policy, causing a significant premium increase. You may also choose to purchase another vehicle for the new driver. We'll help you explore all the options to keep the cost as low as possible without sacrificing the coverage your family needs. 

In some cases, parents may wish to transfer the costs of driving and carrying insurance to the teenager. When teen drivers purchase a vehicle and title it in their name, they'll likely need a separate car insurance policy. We'll help them obtain affordable coverage that fully protects them and gives you peace of mind.

Work With an Agent to Find the Best Policy

Regardless of your circumstances, when you choose us as your car insurance company, you'll receive personalized service from a professional agent you can trust. Our goal is to provide a customized car insurance plan that's right for your family.

Please contact Lewis Insurance and Financial today for a free review of your current car insurance plan. We'll also be happy to provide a no-obligation quote.