Auto Insurance
We compare prices with top insurers
We compare prices with top insurers
We’re an insurance agency located in the Lehigh Valley and also serve all of Pennsylvania and New Jersey. Here at ARK Independent Insurance Brokers we can help save you money on your personal and commercial vehicles by comparing insurance quotes from the top insurers.
Get the coverage you need. We can help protect a large variety of vehicles including:
- Classic cars
- Collectibles
- Commerical Vans
Why trust ARK?
Human support
Our team of licensed experts with 50+ years of experience is here to answer questions, handle paperwork, and help you make important decisions.
Local business
100% Independent
We work for you, not the insurance companies. Our team will be there every step of the way helping you get the best coverage possible at the right price.
What is Auto Insurance?
Many people think auto insurance is just something they must have by law and something they will likely never use. Auto insurance is a product you buy but hope you never have to use. It is not a maintenance plan or a new car replacement tool. Auto insurance can protect not only your car but also your wallet.
In the litigious society we live in, a simple fender bender could turn into a lawsuit. Having a solid auto insurance policy can prevent that from happening.
Common Coverages Included in Auto Insurance
Liability: 15 / 30 / 5
The State Minimum requirements in Pennsylvania are 15/30/5 (we suggest having more coverage than this). The first two numbers (15/30) of your liability limits are your bodily injury coverage. The first number represents how much the coverage will pay per person; the second number represents how much the coverage will pay per incident; the third number represents how much the policy will pay for the other person’s property.
Uninsured / Under-Insured Motorist
This covers your injuries if you get hit by someone who doesn’t have insurance or doesn’t have enough insurance. The limits of this policy usually will match your liability limits. However, this does not cover damage to your vehicle, only your medical bills.
Comprehensive
This covers acts of God. Examples would be a tree branch falls on your car, hail damage, something breaks your windshield, you hit a deer or animal, or if your vehicle is vandalized or stolen. Comprehensive coverage is essential in these situations.
Collision
This coverage will pay for your vehicle to be repaired or replaced as a result of an accident. It will also cover you if you hit something such as a tree, pole, pothole, or even the side of your garage (it happens)!
Medical Payments
If you are in an accident or hit as a pedestrian, this coverage will pay medical bills.
Rental Car & Travel
This coverage does not provide coverage when you rent a car! However, this coverage provides a rental car when your vehicle is being fixed due to an accident!
Towing & Labor
Towing and Labor, also known commonly as Emergency Roadside assistance, is a service most carriers offer where they will tow your car, change a flat tire, or get your keys out of your vehicle when you lock them in there.
You own it, we'll insure it.
Our experts will help you get the best coverage at the right price.
Auto Insurance
We’re driven to keeping you covered on the road. No matter where you’re heading, we’ll provide peace of mind for the journey ahead. We’ll look for discounts along the way so you can maximize coverage and value all at once.
Home Insurance
Whether you need a home, condo, renters, or even short-term vacation home insurance, we can find the right way to keep your property and possessions safe – both inside & out.
Business Insurance
We will help you find the best coverage for your business to protect you from liabilities. Our experts can shop for your E&O Policies, general liability, Business Owner Policies (BOP), auto, property coverage, and workers compensation.
Everything Else
Need additional coverage? We also carry coverage for pets, mobile homes, recreational toys, campers, collector cars, commercial, and life.
You are our first priority!
We are an independent insurance agency dedicated to protecting your most ambitious goals and cherished possessions. We offer a wide variety of insurance options from multiple carriers so we can keep your best interest top of mind. As a multi-line independent insurance brokerage, we shop for the best coverage and rates among multiple major carriers, so you don’t have to.
At ARK, our first priority is YOU!
We are an independent insurance agency dedicated to protecting your most ambitious goals and cherished possessions. We offer a wide variety of insurance options from multiple carriers so we can keep your best interest top of mind.
As a multi-line independent insurance brokerage, we shop for the best coverage and rates among multiple major carriers, so you don’t have to.
We are committed to finding the best product at the right price for homeowners, vehicle operators, entrepreneurs, and boat owners throughout Pennsylvania.
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Frequently asked questions.
We work for you, not the insurance providers. Ark is an independent insurance broker, which means we are not owned by any insurance company. This allows us to shop around amongst the top insurers to find you the right coverage at the best price.
Yes! All insurance brokers are required by law to be licensed in each state they do business.
Each insurer calculate risks differently, and they strive to offer the most competitive prices. Because we shop across the top insurers, Ark will allow you to compare quotes from multiple companies for the best price.