Ask Hampton

Call (610) 436-9100
or fill out the form below


Free Auto Insurance Review

-Are you saving money or putting yourself and your family at risk with inadequate auto coverage?
  Let us help you make an informed choice regarding your auto insurance coverage.



As a courtesy, we will review your automobile insurance policy to maximize your coverage and keep an eye on costs with no charge to you. Please fax the declaration page of your policy (found within the copy of your bill) to 610-436-8049, with your telephone number.


How Pennsylvania Auto Insurance Rates Are Set

The price of Pennsylvania auto insurance is decided by the behavior of the state's drivers as a whole. Pennsylvania auto insurance companies take the cost of providing insurance for Pennsylvania drivers (this includes settlements and legal fees) and divide it up among the drivers.


But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.


Of course, not all auto insurance providers figure their percentages the same way. This means that they will charge different rates on the same driver.


P.S. Did you know that more than one in fourteen vehicles that you encounter on Chester County's highways will be uninsured? It is important that your underinsurance coverage is matched to your liability level to protect against the uninsured or underinsured driver.



Pennsylvania is a "choice no-fault" state, which means that, as a driver, you can choose to insure yourself under the tort system or the no fault system (also called "limited tort").

The fact is, through these choices you could be left vulnerable to limited coverage if you do not fully understand how these options effect your rights to fair compensation through auto related injuries. Often choices are made based on perceived savings.


Remember, the sooner we can investigate the auto accident the stronger your legal position will be. Call as soon as the police and emergency room have been notified.
More information on your policy and right to sue.