Best Insurance Rates in Havertown

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Are You Looking For The Best Insurance Rates and Coverage in Havertown?

Are you looking to find the best available insurance coverage and price for your home, auto, or business in Havertown?

Whether you are looking for Personal Insurance Coverage or Business Insurance Coverage, we can provide the best available options for your needs.

  • Personal Insurance
    • Auto, Home, Renters, Condo, or Motorcycle
  • Business Insurance
    • General Liability, Commercial Auto, Workers Compensation, Professional Liability, Cyber Liability, and more

McCollum Insurance is an Independent Insurance Agency, we work with the best Insurance Companies that serve the Havertown area. We have two offices to serve your needs. Feel free to stop in or call, our Manayunk Office or Newtown Square Office.

 

Philadelphia-Auto-Insurance

This is what our clients from Havertown say about the service at McCollum Insurance.

I recently had my home and car insurance reviewed by McCollum Insurance, specifically, I was dealing with Kody Napierkowski. Not only did they save me a good amount of money on my premium and increase coverage, she took the time to answer the plethora of questions I had. I cannot say enough good things about Kody and how easy the process was. I would highly recommend talking with them to make sure you not paying more than you should and that you have the correct coverage in place. Thanks very much for all your help!!!

Matthew S – Havertown, PA

I recently had a small fender bender and my claim was processed swiftly and easily. I’ve been a customer for 10 years and consistently had positive experiences with Brian and his staff.

Ben M – Havertown, PA

Being in the service industry, I have high expectations of other agencies and McCollum Insurance has surpassed them. Many thanks to Sean for simplifying the application process and accommodating my schedule. Reducing my current insurance premium by over $500 is a lovely bonus as well. I would not hesitate to recommend you to both friends and clients! Many thanks!

Maureen S- Havertown, PA

I’ve been with McCollum Insurance for years. Brian and Mike are very knowledgeable and more importantly, reliable. A couple generations of my family have been with them. I’m glad they’re now in Delaware County.

Charlie Y – Havertown, PA

I often need my insurance information sent to various Townships to obtain building permits and McCollum’s agent s make the process seamless. Great service.

Matthew I – Havertown, PA

Erie-Insurance-Philadelphia
Our staff is ready to offer friendly, personalized, and professional advice. We are local, and our staff live and work in your community. We insured many of you neighbors, so give us a call or send us an email to get started with a review of your Insurance.

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Commercial Auto Insurance in Pennyslvania

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Commercial-Auto-Insurance
Do You Need Help With a Business or Commercial Auto?

Is your vehicle titled to your business name?

Is your vehicle considered a “commercial” vehicle due to the weight, custom features, etc?

Is your vehicle titled to a corporation or LLC?

If you answered yes, to the questions above, you probably need a Commercial Auto Policy. It is best to contact your Agent, before you have a claim, to make sure you have the proper coverage in place.

Do your employees use their own personal vehicles for use in your business?

If yes, make sure you have coverage in place for “Hired and Non-Owned Auto”.

If your business has just one vehicle, or a fleet of vehicles, used for your business, contact McCollum Insurance to make sure you have the proper Commercial Auto Insurance in place for your Pennsylvania Business.

How much does Commercial Auto Insurance Cost?

Below are a few pricing factors for Commercial Auto Insurance:

  • Location of Vehicle
  • Use of Vehicle
  • Weight of Vehicle
  • Owner and Employee Driving History
  • Years in Business
  • Value of Vehicle

McCollum Insurance insured many Commercial Auto vehicles in Philadelphia and the surrounding suburbs. Our clients are normally pleasantly surprised at the cost to insure their Commercial Autos. We are an Independent Agency and represent the best Insurance Companies in Philadelphia, Delaware, Chester, and Montgomery Counties.

Business-Insurance-Philadelphia Continue reading →

Best Insurance Rates in Philadelphia For Teen Drivers

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Philadelphia-Auto-Insurance

How Much Will It Cost to Add My Teen Driver?

This is a common question posed to Insurance Companies, and many times,  comes with tough answers for parents.

The cost of adding a Teen Driver to your Insurance Policy in Philadelphia and the surrounding suburbs can be shocking. Below are a few factors that will play a role in your insurance pricing.

Did your child take a certified Driver Training School?

Does your child qualify for a Good Student Discount?

Does your child live at home, or are they away at college, without the vehicle?

How old is the vehicle that your child will be driving?

What is the value of the vehicle that your child will be driving?

What can I do to reduce costs when adding my Teen Driver?

Consider the age and value of the vehicles that you are insuring. Your insurance will be priced better, if your son or daughter is using an older vehicle,that does not require physical damage coverage.

If your child will be using a vehicle that requires physical damage coverage, consider increases the deductibles. You might be surprised with the savings when increasing your deductible from $500 to $1000.

Make sure your child completes a safe driving classroom and road course. Remember, keeping your child safe is most important, and receiving lower insurance rates, is just an added bonus.

Insurance-Manayunk

 

Don’t accept pricing from just one Insurance Company, seek out pricing from more than one Insurance Company

The largest premium increase takes place, when a parent adds their 16 or 17 year old driver.  You can count on an increase of 50% or more, when your Teenager is licensed.

Does your Insurance Agent have access to pricing from more than one company? If you call an 800# for your Auto Insurance, you are only provided with one pricing option.

If you call an Insurance Agent for your Auto Insurance, ask if they represent more than one company. If the answer is no, it is time to shop your Insurance.

I don’t have time to shop my Insurance, and shopping for Auto Insurance is not fun

Two great points, and that is why contacting an Independent Agency is your best option, when your teenage driver gets licensed.

An Independent Agency partners with multiple Insurance Companies to find their clients the best coverage and pricing.  An Independent Agency or “Broker” is free to choose the best Insurance Company for their client’s insurance needs. An Independent Agency or “Broker” does not work for the Insurance Company, they work for you, the Client.

If you think it’s time to review your Auto Insurance Needs, contact a friendly Agent at McCollum Insurance. We have two locations to serve the needs of our growing Agency.

We are located on Main Street in Manayunk. This location allows us to serve the needs of our clients in Roxborough, Manayunk, East Falls, Chestnut Hill, Center City Philadelphia, and our clients in the suburbs of Montgomery County.

We have a 2nd location on Providence Rd in Newtown Square. This location allows us to serve the needs of our clients in Havertown, Drexel Hill, Broomall, Newtown Square, Glen Mills, and our clients in the suburbs of Chester County.

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Term Life to Permanent Life Insurance

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Should I Convert My Term Life Insurance to Permanent Life Insurance?

Your Term Life Insurance covers you for a specific period of time, common terms are 10, 15, 20, and 30 years. If you die during the Term Period, your beneficiary receives the death benefit on your Policy.

Your Term Life Insurance Policy provides a cost-effective way to cover expenses like debt, or to replace a wage earner’s income, so your loved ones will not be financially burdened.

 

Life-Insurance-Philadelphia

 

But what if Your Life Insurance needs change?

And what if you need Life Insurance Coverage beyond the expiration date on your Term Life Policy?

Does your Term Life Insurance Policy come with an option to convert to Permanent Life Insurance? If yes, then you may want to take advantage of this conversion privilege.

The Conversion Privilege gives you the option to have your Life Insurance Coverage last for life, or to a specific age, by converting all or some of your Term Life Insurance to Permanent Life Insurance.

If you choose to take advantage of the conversion feature, you do not have to take another medical exam, this privilege is guaranteed, regardless of your current health situation.

Reasons to Convert from Term Life to Permanent Life

You are looking for life long security

You realize that you need coverage beyond the 20 or 30 Year Term Period, and you would feel more comfortable with a policy that will last for life.

Your health has changed or you fear that your health is changing

If you convert to Permanent Life Insurance (while your conversion privilege is available), the change in your health with not be a pricing factor.

Your financial goals have changed

You may have bought a 20 Year Term Policy (10 years ago), and are now focused on your needs beyond the 20 Year Period. 

Maybe you are now interested in looking at options for Permanent Life Insurance, that include options to accumulate cash value.

Your older and wiser

You are now thinking about your future retirement years, and would like to make sure your wife, significant other, or loved ones are well taken care for. 

If you convert to a  Permanent Life Insurance Policy, that will stay in force for life, you now guarantee that your loved ones are protected for life.

You don’t want a financial burden placed on your children

Your Term Life Insurance can cover your funeral and final expenses, but only if you die within the 10, 15, 20, or 30 Year Term Period. 

If you convert to Permanent Life Insurance, you can feel comfortable knowing that your final expenses will be covered, regardless of when you pass away.

 


If you are ready to discuss your Life Insurance options, please contact us today.

McCollum Insurance, established in 2002, has two convenient locations to assist with your Personal, Business, and Life Insurance needs. We opened our Manayunk Location in 2002, and our Edgemont – Newtown Square Location in 2016. Our Agency is passionate about being a leader in the insurance industry, and we welcome the opportunity to discuss your Auto Insurance, Homeowners Insurance, Life Insurance, and Business Insurance needs

 

 

Allstate vs. McCollum Insurance….See what happens

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Erie-Insurance-Philadelphia

 

In the case study below,  McCollum Insurance Agent, Brian McCollum worked with Mary P., who was looking to improve her Allstate Insurance coverage and pricing.

  • Brian was able to offer broader Auto Insurance Coverage, inlcuding:
    • A Diminishing Deductible feature on the auto policy
    • More then double the coverage for Bodily Injury
    • Double the coverage for Property Damage
    • Uninsured and Underinsured Motorist Coverage
      • This coverage was not included with their Allstate Policy
    • Broader Rental Reimbursement and Road Service Coverage
    • Lower deductibles, which will result in lower out of pocket expenses after a claim

Home-Insurance-Havertown

  • Brian was able to offer broader Home Insurance Coverage, including:
    • Guaranteed Replacement Cost Settlement
      • This was not offered by Allstate
    • Sewer and Drain Back Up Coverage
      • This coverage was not included with their Allstate Policy
    • Underground Service Line Coverage
      • This is new coverage that is only available through a few companies.
      • This was not included with their Allstate Policy
    • Siding and Roof Restoration Coverage
      • This coverage was not included with their Allstate Policy
    • Equipment Breakdown Coverage
      • This coverage was not included with their Allstate Policy

Insurance-Drexel Hill

Do you want to see if we can do this for you too?

 

If you have been thinking about reviewing your Personal or Business Insurance, call our Newtown Square Office at 484.420.7800 or Philadelphia Office at 215.508.9000, or request a quote below today. We will make shopping for insurance, a simple process.

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Need Life Insurance – Don’t Wait

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Have you been thinking about purchasing Life Insurance? If yes, don’t wait.

Below are four reasons to purchase life insurance now, instead of putting off your life insurance needs.

Price

As you get older, the cost of life insurance significantly increases


Current Annual Prices for a $500,000 –  20 Year Term Life Policy

All premiums above are based on qualifying for best available rates

  • Annual Premium for a 30 Year Old – $295
  • Annual Premium for a 40 Year Old – $525
  • Annual Premium for a 50 Year Old – $1045
  • Annual Premium for a 60 Year Old – $2810

Current Health Condition

 

As you get older, your health often changes. It is possible to improve your health as you get older. But it is more likely that your health will decline with age.

For example, today at age 35, you are the picture of health.

In the future, at age 45, 55, or age 60, your weight and health may change. It is quite possible, that you could develop one or more of the following health conditions :

  • High Blood Pressure
  • High Cholesterol
  • Diabetes
  • Cancer

It makes sense to purchase life insurance today, while you are your young and healthy.


You Need It

Could your family continue paying the bills without your income?

Could your children afford to pay their high school or college tuition without your income?

For example,  your spouse is 40 years old, has an annual income of $75,000, and plans on working until age 60.

Your spouse unexpectedly dies at age 45.

How will you replace the $75,000 in income for the next 15 years?


Future Needs

If you know that you will need life insurance in the future, then you should seriously consider purchasing now. Why wait?

Prices will only increase in the future? Also, there is no guarantee that you will qualify for life insurance in the future……if your health declines.

If you were not here tomorrow…….

  • Could your spouse survive without your income?
  • Is there enough money in savings to satisfy all of your debts?
  • Could your spouse continue to pay the mortgage to keep your home?
  • Will your spouse have enough income to raise your children? For college?

If you would like a free-no pressure review of your insurance needs, please call us at 215.508.9000 or request a review below.  

Keeping Mice Out of Your Home

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by Erie Insurance 6/21/2017

Erie-Insurance-Philadelphia


Is there a mouse in the house?

It’s unpleasant to think about, but it can happen to anyone. Mice and other rodents can make their way into your home in search of food, shelter and a place to nest. Even if you think mice were cute in the movies, rodents can be destructive and carry disease. Here are some smart steps to prevent and respond to a rodent invasion.

Rodent prevention

Look at your home and yard from the perspective of a mouse and you will likely see opportunities for them to enter and make themselves at home.

Look for holes. When you find them, whether they are inside or outside your property, you’ll want to plug them with steel wool and patch with cement. Remember, almost no opening is too small. Many pest-control specialists say all a mouse needs is a quarter-inch opening.

Rethink your food storage practices. We all love buying in bulk, especially when it comes to staples that come in large bags, such as dry pet food. Unfortunately, if you store it in the sack it comes in, you’re pretty much rolling out the welcome mat to mice and rats, who can sniff out an easy food source. Instead, store the chow in a large container with a tight-fitting lid.

Clean up your act. Store trash in closed containers with tight lids and get your family members in the habit of cleaning up after themselves when they’re finished eating (wipe up spills and sweep crumbs). Every month or so, pull out your kitchen appliances and clean up any spills or morsels that are under and behind the refrigerator or oven. Continue reading →

Recent Success Stories – McCollum Insurance – Newtown Square

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Take a minute to view two recent cases by McCollum Insurance Agent, Brian McCollum

Case Study 1

Brian recently worked with John B. , from the Lafayette Hill, PA. John was referred to us by his friend, neighbor, and current client of McCollum Insurance Agency. John was looking to improve his Allstate Insurance coverage and pricing.

  • Brian was able to improve John’s  Auto, Home, Umbrella, and Business Insurance coverage, by placing him with Erie Insurance.
  • Brian was able to provide better and broader coverage.
  • Brian was able to include the following items, which John did not have with Allstate:
    • Rate Lock Feature, where John’s auto insurance premium will remain locked, and will not change (unit he moves, makes a vehicle change, or makes a driver change).
    • Auto Insurance Dimishing Deductible
    • Increased Auto Coverage for Uninsured/Underinsured Motorist, Income Loss, Rental Reimbursement, and Road Service
    • Guaranteed Replacement Cost on his home
    • Sewer and Drain Back Up Coverage for his home
    • Underground Service Line Coverage for his home
    • Siding and Roof Restoration – a great enhancement for clients with vinyl siding

Not only was Brian able to provide improved coverage, he also was able to offer annual savings of over $1800.

  Case Study 2

 

Brian also recently worked with Mary P. from the Roxborough section of Philadelphia. Mary also came to us, looking to improve her coverage and pricing from Allstate.

Brian was again able to offer better coverage,  such as :

  • Offering more than double the Bodily Injury Coverage on Mary’s existing Auto Policy
  • Offering double the Property Damage Coverage on Mary’s existing Auto Policy
  • Uninsured and Underinsured Motorist Coverage – which Mary did not have with Allstate
  • Guaranteed Replacement Cost on Mary’s home
  • Sewer and Drain Back Up Coverage on Mary’s home
  • Underground Service Line Coverage on Mary’s home
  • Siding and Roof Restoration – a great enhancement for clients with vinyl siding
  • Equipment Breakdown Coverage on Mary’s home

 

If you have been thinking about reviewing your Personal or Business Insurance, call Brian at our Newtown Square Office at 484.420.7800 or request a quote below today.

Brian works with multiple Insurance Companies to find his clients the best coverage and pricing.

 

 

Newtown-Square-Auto-Insurance

If you are interested in a quote for your auto, home, or business, please fill out the form below. We will make shopping for insurance, a simple process.

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Thank You To Our Clients, Family, and Friends

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THANK YOU to our clients, family, friends and Insurance Company Partners. We appreciate your referrals in May. Because of you, our Agency continues to grow, and we are able to continue to support and sponsor local events in our community! 

Thank you to the following clients, friends, and referral partners for your referrals this past month.

Home-Insurance-Havertown

If you have been thinking about reviewing your Personal or Business Insurance, call our office in Manayunk at 215.508.9000 or  Newtown Square Office at 484.420.7800. You can also request a proposal online below.

McCollum Insurance works with multiple Insurance Companies to find our clients the best coverage and pricing. Below are a few of our partnering Insurance Companies.

erie-insurance-philadelphia

Auto and Home Insurance

If you are interested in a quote for your auto, home, or business, please fill out the form below. We will make shopping for insurance, a simple process.

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Credit Card Skimming- A Blog From Erie Insurance

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How to Prevent Credit Card Skimming  – From Eriesense 

You’re on a vacation or out-of-town business trip. You’re careful to prevent others from watching you use your credit or debit card. But when you get home, you find your card has been compromised. What happened?

The answer may be “skimming,” a method used by thieves to steal your card information and personal identification number (PIN). Skimmers are small devices retrofitted to a legitimate credit or debit card reader.

Skimming occurs most frequently at retail outlets like restaurants and gas stations or at ATMs. Criminals then use your stolen information to make purchases or withdraw cash. Because your physical card is never lost or stolen, the theft often goes undetected until a statement or overdraft notice arrives.

How to prevent skimming

While police and businesses are catching more skimmers in the act, advances in Bluetooth technology are making it easy for criminals to walk up to devices and transfer data in seconds without having to remove the devices.

Fortunately, there are ways to protect yourself. Here are three ways to help prevent skimming.

  • Know what a credit card skimmer looks like. Brian Krebs, one of the world’s foremost experts on the topic, offers pictures of credit card skimmers, which are becoming smaller and smaller.

Continue reading →