When my car gets older, when do I reduce coverage?

Blue Bell PA Insurance question:

Q: When my car gets older, when is the right time to consider reducing coverage on my vehicle?

A: Although each situation is different, once a car depreciates in value to a certain level, the owner may consider reducing physical damage coverage on the vehicle. The question is to what levelof depreciation is reducing coverage a smart move? Every vehicle depreciates at different rates, so the depreciated value of each vehicle helps an owner decide when may be the right time to reduce coverage.  To find the estimated depreciated value of your vehicle, visit Kelley’s Blue Book and look under “used car trade-in” values for your particular vehicle.

Once you determine the estimated depreciated value of your vehicle, now you need to find out what the insurance costs are for just insuring the physical damage (collision and other than collision) of the vehicle. If you feel the premium for that part of the car’s coverage is too much to spend to insure the depreciated value of your vehicle, then it may be time to reduce or remove collision and/or other than collision (theft, vandalism, glass breakage, etc.) coverage. Consult with your insurance agent for more information.

Back to basics…

Blue Bell, PA Insurance:

When I rent a car do I need extra coverage?

Blue Bell PA insurance question:

Q; What extra insurance coverage do I need when I rent a car?

A: You may not need to purchase any extra coverage from the rental car company, as your current vehicle insurance policy may already cover you while driving the rental car. Each policy is different, so it’s important to review this coverage on your policy prior to getting to the rental car counter.  If your policy coverage does transfer to cover you while driving the rental vehicle, the policy limits will apply, including collision and comprehensive deductibles. As an option, you may want to consider paying for the extra rental car company coverage if your personal coverage has a high deductible.

For more information and for more specific consultation to your specific situation, please e-mail MartyWolner@allstate.com, or call 610-239-7707 – 24 hours a day.

Celebrating 20 years in Blue Bell PA, Wolner Insurance Management invites you to stop by and visit and receive your FREE gift!

Does my college student need renter’s insurance?

Blue Bell PA insurance question:

Q: As school begins for the fall 2009 semester, does my college student need renter’s insurance coverage while living away from home?

A: The first thing to do is check your current home insurance policy, and the policy language that addresses this type of “off-premise” personal property and liability coverage (policies sometimes differ in this coverage area). Many times if the college student is listed as a resident of your home, a certain percentage of your home insurance personal property coverage (maybe 10% perhaps) and full liability coverage extends to the temporary living quarters at the college. Many home insurance policies will also distinguish between a student living in a college dormitory, and off-campus housing (apartment, etc.)

Should you decide to purchase low-cost renter’s insurance for your college student, the coverage would be just for the name insured, not any of his or her roomates. Each unrelated person within the residence must have his or her own renter’s insurance policy.

For more information and for more specific consultation to your specific situation, please e-mail MartyWolner@allstate.com, or call 610-239-7707 – 24 hours a day.

Celebrating 20 years in Blue Bell PA, Wolner Insurance Management invites you to stop by and visit and receive your FREE gift!

August 2009 – Celebrating 20 years in Blue Bell PA

It was August 14, 1989, when agent Marty Wolner began handing out his Allstate business cards.  Now 20 years later, Wolner Insurance Management is proud to celebrate such a momentous anniversary.  Serving Blue Bell PA, Montgomery, Bucks, Delaware Counties and the city of Philadelphia, Wolner Insurance Management is now available for customer sales and service seven (7) days a week.

Wolner Insurance Management has won numerous customer service and sales awards in recognition of “concierge-quality” customer service and expert insurance and financial product consultation. We invite you to stop by and talk about how Blue Bell PA has changed over the last 20 years, while we offer you a FREE gift to celebrate our 20th anniversary.

Whether its your vehicle, home, life, or business, Wolner Insurance Management has a full portfolio of insurance and financial planning options. And our pricing has never been better. New discounts in 2009 have made insurance and financial planning more affordable than ever before.

Please call, e-mail, or stop our agency office in Blue Bell PA to find out how Allstate can help you!

Happy 20th Anniversary to AllstateBlueBell.com

Teen Drivers – Drive safely this summer

FREE Teen Driving Safety information is available from AllstateBlueBell.com.

Celebrating 20 years in Blue Bell

Wolner Insurance Management is proud to serve the Blue Bell area for more than 20 years.  As a member of the Blue Bell community, our agency is commited to understanding the insurance needs and providing effective consultation and solutions. We invite you to stop by and celebrate our 20th anniversary, with special give-aways and prizes.  Contact us anytime, as we are avilable 24-hours a day, every day of the year!

Blue Bell PA Weather – Here comes Summer!

You can always check here for Blue Bell, PA weather. The beautiful foliage in Blue Bell PA is stunning this time of the year, as spring has sprung! As you travel up and down the streets of Blue Bell, you’ll see all of the colors of the rainbow in full bloom.

While enjoying the sights and sounds of spring in Blue Bell, please stop by Allstate Blue Bell and help us celebrate our 20th Anniversary with Allstate. we have anniversary gifts for everyone who stops by.  Or e-mail us at MartyWolner@Allstate.com.

For more information about the Blue Bell area, please visit Ambler-BlueBell.com.

Moving to Blue Bell, PA?

Welcome to Blue Bell, PA, known for its friendly people and delicious food establishments.  If you’re moving to Blue Bell, PA, let us help make your relocation a smooth one. Wolner Insurance Management, Inc. has been in the Blue Bell, PA area for more than 20 years. Offering “concierge-quality” customer service, Marty Wolner and his staff can help you with all of your insurance needs.

This year, Marty is celebrating his 20 year anniversary with Allstate. Stop in and celebrate with us and receive a free anniversary gift!

Blue Bell Insurance Concierge Quality Service

This year, Allstate Blue Bell is celebrating 20 years with Allstate. Come to our Blue Bell Allstate insurance office and celebrate with us, as we have gifts for everyone who stops by. After 20 years with Allstate, we continue to offer “concierge-quality” customer service that you will find from no other insurance agency. Our agency is available seven (7) days a week by phone or by e-mail. You get experienced insurance consultation from a safe and secure company like Allstate.

We invite you to stop by and say hi and receive your free gift to help us celebrate 20 years with Allstate insurance in Blue Bell, PA!