Protection for your car, your passengers, and your peace of mind—designed for drivers across Lancaster, New Holland, York, Harrisburg, and beyond.
Personal auto insurance helps protect you when you’re behind the wheel—from everyday fender benders to serious accidents. The right policy can cover injuries, damage to other vehicles, repairs to your own car, and more, depending on the coverage you choose. Community Insurance works with drivers and families throughout Lancaster County and across Pennsylvania to build auto insurance that fits real life, not just state minimums. We’ll help you understand your options, compare carriers, and choose coverage that reflects your vehicles, your driving habits, and your budget.
Collision Coverage
Collision coverage helps pay to repair or replace your vehicle if it’s damaged in a covered collision with another vehicle or object, regardless of who is at fault. This coverage is especially important for newer vehicles or vehicles you’re still making payments on.
Bodily Injury & Property Damage Liability
Liability coverage helps protect you if you’re responsible for a crash that injures someone else or damages their vehicle or property. It can help pay medical bills, repairs, and legal costs up to your policy limits, keeping a single accident from turning into a major financial setback.
Comprehensive Coverage (Other Than Collision)
Comprehensive coverage helps protect your car against non-collision losses such as theft, vandalism, fire, falling objects, and certain weather-related damage, as well as glass-only claims in many cases. It’s a key way to safeguard your vehicle from the unexpected even when you’re not on the road.
Uninsured & Underinsured Motorist Coverage
If you’re hit by a driver who has no insurance or not enough insurance, uninsured/underinsured motorist coverage can help with medical expenses and, in some cases, damage to your vehicle—depending on your policy. This coverage helps protect you and your passengers when other drivers don’t carry adequate protection.
Medical Payments / Personal Injury Protection (PIP)
Depending on your policy and state options, medical payments or personal injury protection can help pay for medical expenses for you and your passengers after a covered accident, regardless of fault. This can provide an important layer of support on top of health insurance.
Optional Coverages & Add-Ons
Many policies offer optional coverages like rental reimbursement, roadside assistance, towing, gap coverage for certain financed or leased vehicles, and custom equipment coverage. We’ll help you decide which add-ons make sense based on your vehicle, your commute, and your comfort level with risk.
Who Typically Needs Auto Insurance
Most drivers in Pennsylvania are required to carry auto insurance, but the question isn’t just whether you’re legal—it’s whether you’re properly protected. If you drive to work, shuttle kids to activities, take road trips, or rely on your vehicle for everyday errands, the right auto coverage is essential for protecting your finances and your peace of mind.
Common Drivers Who Rely on Personal Auto Insurance:
- Commuters driving to work or school
- Families juggling multiple vehicles and drivers
- Teen drivers and new drivers building experience
- Retirees who still enjoy staying active and on the go
- Drivers with financed or leased vehicles
- Households looking to bundle home and auto for potential savings
- Drivers who want more than just minimum state-required limits
State minimum coverage is rarely enough in a serious accident. We’ll help you understand what higher limits, better deductibles, and optional protections could mean for your household so you’re not left guessing after a claim.
Our Process for Designing Personal Auto Insurance
Instead of dropping you into a one-size-fits-all policy, we take time to understand who’s driving, what you drive, and how you use your vehicles. Then we match you with carriers and coverage options that fit your situation and your budget.
Learn Your Drivers & Vehicles
We start with a conversation about who’s on the policy, what they drive, daily mileage, and how each vehicle is used.
Review Current Coverage & Limits
We look at your existing auto policy (if you have one), including deductibles, liability limits, and optional coverages, to see what’s working and where there may be gaps.
Compare Multiple Auto Carriers
As an independent agency, we shop several insurance companies to compare pricing, coverage options, discounts, and claims reputation.
Tailor Coverage & Deductibles
We walk through your options in plain language, adjusting limits, deductibles, and add-ons so your policy matches your comfort level and goals.
Implement & Support
Once your policy is in place, we’re here for ID cards, changes, questions, and claims support whenever something unexpected happens on the road.
How Personal Auto Fits with Home, Umbrella, and More
Personal auto insurance is just one piece of your overall protection plan. Many drivers choose to bundle auto with homeowners, condo, or renters insurance to coordinate coverage and often qualify for multi-policy discounts. If you own significant assets or simply want higher protection, a personal umbrella policy can add extra liability limits over both your auto and home policies. We’ll help you see how your auto coverage connects with the rest of your insurance and when it may be time to adjust limits or add an umbrella for additional peace of mind.
Personal Auto Insurance - Commonly Asked Questions
Frequently Asked Questions
How much auto insurance do I really need?
The right amount of coverage depends on your vehicles, your driving habits, and your financial situation. While Pennsylvania has minimum required limits, those amounts are often too low to handle a serious accident. Many drivers choose higher liability limits, plus comprehensive and collision coverage for newer or financed vehicles. We’ll review your situation and recommend options that balance protection and affordability.
Do I need full coverage if my car is older?
Not always. For older vehicles with a lower market value, it may make sense to carry liability-only coverage, or to adjust deductibles so you’re not paying more in premiums than the car is worth. We’ll help you run the numbers and decide whether comprehensive and collision coverage still make sense for each vehicle.
Will my auto insurance cover me if I use my car for work?
It depends on how you use the vehicle. Occasional business errands may be fine, but regular deliveries, rideshare driving, or using your car as part of your primary job can create coverage gaps under a standard personal auto policy. If you use your vehicle for work, we’ll talk through your situation and whether a rideshare endorsement, business use endorsement, or commercial auto policy is appropriate.
How can I lower my auto insurance premium?
Premiums are influenced by factors like driving history, vehicle type, mileage, coverage limits, and deductibles. We’ll look for opportunities such as multi-policy discounts, safe driver programs, telematics options, good student discounts for teens, and sensible deductible choices. Keeping a clean driving record and reviewing your policy regularly can also help over time.
What should I do after an accident?
Safety comes first—check for injuries and contact emergency services if needed. Once everyone is safe, exchange information with the other driver, take photos if it’s safe to do so, and gather contact details for any witnesses. Then reach out to our office or your carrier’s claims number to report the accident. We’ll help walk you through the process, explain what to expect, and support you as your claim is handled.
Ready to Feel More Confident Every Time You Hit the Road?
Whether you’re commuting to work, running errands around Lancaster, or taking road trips across Pennsylvania, the right auto insurance can make a big difference when something goes wrong. Community Insurance is here to help drivers and families in Lancaster, New Holland, York, Harrisburg, and beyond build personal auto coverage that fits their vehicles, their budgets, and their lives.