Business Details
About
Auto Insurance AgencyInsurance Agency
Binger Insurance Agency LLC provides auto insurance, homeowner insurance, life insurance, commercial insurance, and motorcycle insurance to the Loysville, PA area.
Details
- Wheelchair accessible entranceAvailable
Location
Binger Insurance Agency LLC
3167 Shermans Valley Road, Loysville, PA
17047, United States
Hours
Reviews
5.0
20 reviews
5 stars
19
4 stars
1
3 stars0
2 stars0
1 star0
- HHhopealivefamilyDec 8, 20255.0Timely and very professional service was rendered by Binger Insurance. I recommend them highly for anyone needing liability and professional insurance. Dr. Basha Jordan, Jr.
- KGKen GayerSep 20, 20255.0Binger Insurance provided exceptional service and knowledge about the available products and options to cost-effectively meet our needs. Catherine Binger always responded quickly, was easy to work with, professional, and managed deadlines and interactions with other service providers extremely well. I highly recommend.
- KKKabirAug 15, 20255.0Catherine was so quick to get me fair quotes! Other companies were so hard to deal with but I felt Catherine had my back from the start.
- TBTony BestJul 21, 20255.0As a new customer, I couldn’t be more pleased with my experience with Binger Insurance Agency. Their team was incredibly responsive and attentive to my needs. Their knowledgeable professionals took the time to walk me through all my options in detail, ensuring I fully understood each policy and what it offered, to help me make the best decision. Highly recommend!
- DMDarreck Siegfried (Main)Nov 22, 20205.0Great customer service, honest and upfront insurance coverage. They are there to get you what you need, and suggest things you don't think about. Thanks for the Help.
Frequently Asked Questions About Binger Insurance Agency LLC
What is the Erie Rate Lock?
The Erie Rate Lock is an option that, if selected, guarantees your premium price will remain constant. Your rate will not increase or decrease unless you make changes to your policy, such as modifying your vehicle or adding or removing a driver.
What is the difference between limited and full tort?
The tort option is a crucial aspect of auto insurance. Full tort provides an unrestricted right to seek compensation from the party responsible for your injury. Limited tort offers a premium discount but significantly restricts legal protections for you and your family. While out-of-pocket expenses like auto repairs, medical bills, and lost income are always recoverable, the right to sue for pain and suffering is waived under limited tort unless a 'serious injury' occurs, such as permanent disfigurement or disability.
What does underinsured motorist and uninsured motorist coverages mean?
Underinsured motorist coverage protects you in the event of bodily injury when the at-fault driver lacks sufficient insurance to cover the damages they cause. Uninsured motorist coverage safeguards you against bodily injury caused by drivers who have no liability insurance. In Pennsylvania, uninsured/underinsured motorist coverage specifically protects the insured for bodily injury only.
What is the difference between stacked and unstacked and uninsured and underinsured motorist coverages?
Unstacked coverage provides uninsured and underinsured motorist protection for specified limits on a per person/per accident basis. Stacked coverage substantially increases your uninsured and underinsured motorist protection by multiplying the coverage for each insured vehicle under the policy. For instance, if you choose stacked coverage with two insured vehicles, your $100,000/$300,000 coverage would increase to $200,000/$600,000 (doubled).
What is the NAIC number and where do I find it on my insurance card?
The National Association of Insurance Commissioners (NAIC) number is a unique identifier assigned to every insurance company licensed to operate in Pennsylvania. This number is typically found on most insurance cards, though not all. If you're unable to locate the code on your card, please contact our agency for further assistance.
What is the difference between comprehensive and collision coverage?
Comprehensive coverage compensates for damage to an insured vehicle not caused by collision or upset, including but not limited to fire, theft, glass breakage, vandalism, and contact with persons, animals, birds, or falling objects. Collision coverage pays for repairs following a collision with another vehicle or object, as well as damage from uninsured or hit-and-run drivers. Both coverages involve a deductible, with lower deductibles resulting in higher premiums and vice versa.
What is the difference between term and permanent life insurance?
Permanent life insurance offers lifelong guaranteed protection while term life insurance provides coverage for a specified period (e.g., 10, 20, or 30 years). Unlike term insurance, permanent life insurance accumulates cash value that can be utilized for emergencies or income through policy loans.
Do I need to contact my agent if I install a wood stove?
Yes, it is necessary to inform your agent if you install a wood stove. The agent is required to conduct a wood stove inspection to ensure that the installation meets all necessary safety guidelines.
What types of insurance does Binger Insurance Agency LLC offer?
Binger Insurance Agency LLC offers auto, homeowner, life, commercial, motorcycle, farm and land insurance, as well as annuities.
What are Binger Insurance Agency LLC's hours of operation?
The agency is open Monday through Friday from 8:30 AM to 5:00 PM and closed on weekends and major holidays such as Christmas and New Year's Day.
Where is Binger Insurance Agency LLC located?
It is located at 3167 Shermans Valley Road, Loysville, PA 17047, USA.
Which insurance brands does Binger Insurance Agency LLC represent?
The agency represents Erie, Progressive, and Millville Mutual Insurance brands.
How can I contact Binger Insurance Agency LLC?
You can call their main phone at +1 717-378-3265 or email them at bingerinsurance@gmail.com.
What is the Erie Rate Lock offered by Binger Insurance Agency LLC?
The Erie Rate Lock guarantees your premium price remains constant unless you make changes to your policy, such as modifying vehicles or adding/removing drivers.
What should I do if I install a wood stove at my home?
You need to inform your agent about the wood stove installation so they can perform a safety inspection.
What are the nearby businesses to Binger Insurance Agency LLC?
Nearby businesses include Collins Construction Inc., Haas Creative Carpentry, Hillcrest Construction, and The Bank of Landisburg, which can be useful for home improvement or financial services needs.
How can nearby construction services benefit customers visiting Binger Insurance Agency LLC?
Customers can conveniently access nearby construction services like Collins Construction Inc., Haas Creative Carpentry, and Hillcrest Construction for home repairs or improvements alongside insurance services.
Are there banking services near Binger Insurance Agency LLC for customers to access?
Yes, The Bank of Landisburg is nearby, allowing customers to manage their finances conveniently when visiting the agency.