Welcome to Route 30 Auto Insurance
Route 30 Auto Insurance/Norwin Insurance Agency is a customer focused insurance organization serving Westmoreland County, the eastern part of Allegheny County, North Huntingdon, Irwin, Greensburg and surrounding communities as well as the general Southwest PA region. At Route 30 Auto Insurance/Norwin Insurance Agency, we understand the importance of offering value to our customers. We offer the very best available insurance products from the best companies around and we earn your continued trust and business by providing outstanding service. We specialize in offering low cost auto insurance for young drivers as well as motorcycle, homeowners and life insurance. In addition, you can get a quote and buy insurance ONLINE and we will still service your account for you. All you need to get started is a valid driver license.
Route 30 Auto Insurance/Norwin Insurance Agency represents industry leading insurance carriers. If you can answer YES to the following four questions then we can offer you a SUPERIOR RATE that regularly beats Erie Insurance, Nationwide, Allstate, State Farm, and GEICO.
1. Have you been insured with the same company for 3 years, 5 years, 10 years, or more?
2. Do you carry 100/300 liability on your current policy and have a clean driving record?
3. Are you a homeowner?
4. Above average financial history?
If you answered yes to these four questions, call or click TODAY and we'll get you a SUPERIOR RATE!
Route 30 Auto Insurance is a highly motivated and well qualified team of professionals that are eager to provide exceptional service to match the top shelf insurance products we offer.
Kevin Jollie | Insurance Agent
email@example.com | 724.863.7856
Jeff DeMiere | Insurance Agent
firstname.lastname@example.org | 724.863.9520
Frequently Asked Questions
Insurance is a necessary thing for all of us to have but the word often results in many questions resulting from the many terms used within the industry.
Q: What is an Act of God?
A: An event arising out of natural causes with no human intervention which could not have been prevented by reasonable care or foresight. Examples are floods, lightning, and earthquakes.
Q: If I allow someone to borrow my car and they are in an accident, will my insurance policy be applicable?
A: Generally, you can assume "Liability follows the car." In most cases, the insurance on the vehicle will apply if an accident is sustained while the vehicle is being driven by someone provided it is being driven with your permission.
In addition, it is likely that the liability insurance of the person driving the car will pay if the amount of the loss exhausts your policy's limits.
Q: My child is going away to college with one of the cars that I have insured, will they still be covered under my Personal Auto Policy?
A: This scenario may be viewed differently by different insurance companies. Therefore, you should contact your insurance company and make sure the child is properly listed as a driver in order to avoid any future coverage disputes or prorated premium changes.
Q: What do I have to worry about if I choose to not purchase auto insurance and I drive my car anyway?
A: This depends on what state you live in. Most states have laws about having car insurance and if you don't choose to follow these laws by not purchasing car insurance, there can be significant penalties and fines.
Q: What are the best liability policy limits?
A: It is generally accepted in the insurance industry that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:
100,000 per person for bodily injury
300,000 per accident for bodily injury
100,000 per accident for property damage
Q: Why does my insurance cost more than my agent said it would?
A: This is called a misquote. Determining your premium depends on many factors, such as where you live, the kind of car your drive, how much you drive, how much coverage you want, your driving record, and your age.
If an error is made in reporting any of these facts, your rates won't be quoted correctly. Misquotes can also happen if your agent makes a mistake in applying the company's rating system. Auto insurance misquotes can happen when your application information differs from your actual driving record.
Companies do check with the state's motor vehicle divisions to verify the records of drivers they insure. If you told your insurance agent you have a perfect driving record, and you don't, your insurance company will charge higher premiums than your agent quotes.
To avoid misquotes, provide accurate information about your driving record and any other facts affecting the cost of insurance, such as the make of your car or how far you commute to work. Verify all information before signing the application.
Q: What is the difference between comprehensive and collision?
A: Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it is anything else other than a collision such as fire or theft. Most people would have both coverage's when using the car on a regular basis. Sometimes when one is just storing a car they may only keep comprehensive coverage since they are not using it on the road therefore, it is unlikely to be in a collision.
Q: What do insurance companies consider when they decide whether to cancel or not renew policies?
A: Insurance companies evaluate the risks associated with each policyholder to determine if you are a "good risk" or if your policy should be canceled or not renewed. Insurance companies, among other factors, will primarily review your claims, driving, and credit history. It is most favorable that your policy will not be canceled if you don't have a history of filing frequent claims, have maintained a clean driving record and your credit history is good with no bankruptcy's.
Q: My car was totaled and my policy did not pay what I think my car was worth. Why?
A: Most auto insurance policies pay the actual cash value (ACV) of a vehicle totaled in an accident. The ACV is equal to the market value of an auto immediately before the accident.
Q: How does my driving record affect my insurance premium?
A: The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.
Q:My teenager just got his license, but I do not allow him to drive my car. Does he need to be insured?
A: In most cases, yes. automobile insurance policies require every licensed person in your household to be listed on your insurance policy unless they have a completely separate policy of their own. This includes a teenager who just received their license or a college student who still uses your address as their residence and/or visits regularly on weekends, vacations, etc.