Elk County Insurance

Car insurance FAQ: I have an older car whose market value is very low do I really need auto insurance? Basic car insurance is to protect others in the event you cause an accident, and is required by law. You may not need comprehensive coverage, but liability coverage is non-negotiable.

Deductibles are a good way to customize your auto insurance policy and avoid paying a higher premium than you have to, but high deductibles are a risk, so making an informed decision on the amount of your deductible is important. Here are some tips.

Many people falsely assume they can't afford life insurance. While it may not be the right move for some, a term-life policy may open doors to those who otherwise hadn't considered it.

Celebrity insurance can get just plain weird - and very specific. Down to the finger, in fact. Did you know Keith Richards insured his middle finger? Not the whole hand, but one middle finger was insured for $1.6 million. That's what happens when you're a guitar genius - you play favorites with your fingers.

Own a new or recent car? While the cost to repair newer cars may be more than older cars, advanced safety and anti-collision features in new cars may actually drive your premium down. Ask us if your equipment qualifies you for a lower premium!

How much life insurance do I need? The amount of coverage you need greatly depends on your circumstances. We can help you decide how much is right, but there is a general rule to follow: For the average family with young children, coverage should be around 10x your annual household income.