Auto Insurance in Drexel Hill, PA

Car insurance from an agent who compares, not a company that sells

A captive agent has one set of rates to offer you. We are appointed with Travelers, Progressive, Safeco, National General and The Philadelphia Contributionship, so we run your details across all of them and show you where they land. Same coverage, different prices, and sometimes meaningfully different terms.

That comparison costs you nothing. Carriers pay the commission either way, which is why an independent agent is rarely more expensive and often less.

What does auto insurance in Pennsylvania actually cover?

A Pennsylvania auto policy is several separate coverages sold together. Liability pays for damage you cause to other people. Medical benefits pay your own injury costs. Collision and comprehensive pay for your vehicle. Each is a separate limit you choose.

• Bodily injury liability — injuries you cause to other people
• Property damage liability — damage you cause to their vehicle or property
• First-party medical benefits — your own medical costs, required in Pennsylvania
• Uninsured and underinsured motorist — covers you when the other driver has nothing, or not enough
• Collision — your vehicle, when you hit something
• Comprehensive — theft, fire, hail, a tree coming down on it

The uninsured and underinsured motorist coverage is the one most people carry too little of. If someone with state-minimum limits puts you in hospital, your own policy is what makes up the difference.

Pennsylvania auto insurance requirements

Pennsylvania requires liability coverage and first-party medical benefits before a vehicle can be registered. The state minimum is genuinely low, and carrying only the minimum leaves you exposed in any serious accident.

The minimum is a registration requirement, not a recommendation. A single hospital stay clears it comfortably, and anything above the limit comes out of your own assets.

Send us your declarations page and we will tell you exactly what your current policy does, and what it does not.

Free, no obligation, and no requirement to move your policy to us.

Send Us Your Policy

Full tort or limited tort? We explain it, we do not push it

Pennsylvania is one of the few states that makes you choose this, and most drivers tick the box without being told what it means. It is the single most consequential decision on a Pennsylvania auto policy, and it is the reason we would rather talk it through than sell you a number.

So which one should you take?

It depends, and we will not pretend otherwise. Someone with significant assets, a long daily commute, or a family in the car usually weighs it differently from someone driving two miles to work. The honest answer is that the right choice is different for different people, and anyone telling you there is one correct answer is selling rather than advising.

What we do is show you both premiums side by side, explain plainly what the cheaper one gives up, and let you make the call. That is the whole job.

Not sure which one you currently have? Send us your declarations page and we will tell you, free, with no obligation to move your policy.

What your auto policy will not cover

Worth knowing before you need it rather than after.

• Using your personal vehicle for business or delivery work — that needs commercial auto
• Wear, mechanical failure and maintenance
• Personal belongings stolen from the car — that usually falls to homeowners or renters
• Damage caused deliberately, or while committing a crime
• An unlisted regular driver of the vehicle

That first one catches people out. If you drive for a rideshare or delivery platform, a personal policy will usually decline the claim.

Bundling, and when it is actually worth it

Putting your auto and home with the same carrier normally cuts both premiums. It also makes an umbrella policy simpler, because umbrella sits above your auto and home liability limits and works best when they are with one company.

It is not automatically cheaper, though. Sometimes two carriers beat one bundle. Because we quote across several, we can actually check rather than assume.

Which areas does Yoos Insurance cover for auto?

We are licensed across the whole of Pennsylvania and write auto policies statewide from our office on Burmont Road in Drexel Hill. Most of our clients live within fifteen minutes, across Delaware County.

Upper Darby, Havertown, Springfield, Lansdowne, Clifton Heights, Aldan, Broomall, Media and Ridley are all close to home, but where you park at night does not limit whether we can place your policy.

Common questions