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Insurance Companies
We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.
 

Travelers

Seven Shopping Strategies For New Car Buyers

New car shopping can be a lot of fun, especially if you're a car enthusiast. But others can find the experience stressful and tedious. Either way, there's a lot to think about. According to a new survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).

Safety and performance come in a distant third, tied at seven percent. But whether you're turned on or turned off by the dizzying array of car choices, trim options, "expert" reviews, incentives and other deals, it definitely pays to approach car buying strategically.

So if you're in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, courtesy of Heritage Insurance Group, in mind:

  1. Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?
  2. Research crash tests and accident data available from the Insurance Institute for Highway Safety.
  3. Shop around for financing. If you can, apply for and get approval for a loan from the bank, credit union, or other financier before you even visit the dealership. Being a "cash buyer" gives you a advantage when you do finally meet with the dealership's financing person.
  4. Test drive the car. Try to drive in conditions that will be similar to those under which you'll drive every day.
  5. Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal.
  6. Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax.
  7. Inspect your new car carefully before driving off the lot. Make sure all the options you've ordered are included and that the body and paint are free of scratches and dents.

Finally, it's important to consider the cost of auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle's total cost. Wise car buyers know to shop around for insurance and find out how costs compare. They also know to visit an independent insurance agency - like Heritage Insurance Group. We can check with several companies to find the best combination of coverage and price. Get a Progressive quote with Heritage Insurance Group.

We recommend the following companies:
Representing Foremost Insurance Group
Foremost Insurance Group
We represent the Foremost Insurance Group of companies, national insurers recognized for insuring manufactured and mobile homes, motor homes, travel trailers, fifth-wheels, motorcycles, off-road vehicles, snowmobiles, boats, personal watercraft, and collectible automobiles. Foremost also has a specialty dwelling insurance program in many states for site-built homes that don't qualify for "standard" or "preferred" coverage. Foremost has been in business over 50 years and has a superior combination of coverage and claim service. Visit Foremost website.
 
 
 
J. C. Taylor
J. C. Taylor Insurance
We are one of the world's largest producers of specialty automobile insurance. We know cars and our industry. We know this isn't just a car to you, but it's your time machine, your hobby, your passion and your joy! Nobody else cares for your car like your friends at JC Taylor.
Visit J. C. Taylor website.
 
 
 
Lititz Mutual Insurance Company provides homeowners, business owner,
Lititz Mutual Insurance Company
Lititz Mutual Insurance Company offers homeowners insurance, business insurance, liability insurance, and commercial insurance through a network of independent agents in Pennsylvania, Maryland, Missouri, Kansas, Delaware, North Carolina, South Carolina, Virginia, and West Virginia.
Visit Lititz Mutual website.
 
 
 
Nazareth Mutual
Nazareth Mutual
Founded in 1845, Nazareth Mutual is located in the heart of historic Nazareth, Pennsylvania. We are represented by more than 75 agencies across Pennsylvania. We rely on our strong fundamental business values to meet the needs of today’s insured. We provide fair, reliable and responsible service from our knowledgeable staff, many of whom have more than 20 years of insurance expertise.
Visit Nazareth Mutual website.
 
 
 

Personal Umbrella
-Limits up to $10,000,000
-AAIC A+ XV Admitted
-Quote in 3 minutes - Order in 3 minutes
-No Application - No MVR
-Commission 15% New / 10% Renewal
-Direct Bill New & Renewal
-Add Apartments & Offices To Policy
-Policies Issued Within 72 Hours
-Excess UM/UIM
Visit Personal Umbrella website.
 
 
 

Progressive Insurance
Progressive Insurance is exclusively offered by independent agents and brokers. The Drive brand makes it easier for customers to understand the services and benefits of independents agents:
-Local, expert advice
-Competetive rate comparison
-Customized policy
-Progressive's superior, 24/7 claims service
-Lets the consumers know they have a choice to purchase through an independent agent
-Explains that we are committed to making the customer experience easy and relaxed
Visit Progressive website.
 
 
 
Safeco
Safeco Insurance
With a comprehensive offering of products to meet your needs, responsive customer service and local independent agents to help you choose and customize your options, we make it simple and convenient to protect what matters most to you - today and tomorrow. Safeco Insurance is a proud member of Liberty Mutual Group. In business for more than 95 years, Liberty Mutual is a Fortune 100 company and the fifth-largest property and casualty insurance company in the country. Liberty Mutual is also rated "A" (Excellent) by A.M. Best Company.
Visit Safeco website.
 
 
 
Travelers
Travelers
Travelers offers a full range of personal insurance products. Exceptional service. The company has industry leading technology and is backed by its superior financial strength and stability. Travelers has been leading the way for more than 140 years. In 1864 they were the first company in the nation to insure against accidents and in 1897, the first to issue an automobile policy. In 1999, they were the first to offer consumers protection against identity fraud. And in early 2006, they were the first to offer a national discount on auto policies for hybrid vehicles. Today, they are first in choice, service, convenience and reputation. Travelers claim professionals are available 24 hours a day, 365 days a year to handle customer claims. In fact, nine out of ten customers who reported a claim would recommend Travelers to a friend. Visit Travelers website.
 
Travelers award
Our staff is receiving the Elite award from Annette Canceran Guinter, Regional Vice President-Mid Atlantic Region for Travelers Personal Insurance. This is a new recognition program with Travelers which recognizes top agencies.

Heritage Insurance Group, Inc.

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4101 Tilghman Street
Allentown, Pennsylvania 18104
Phone: 610-398-1535     Fax: 610-398-3301

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