Uber car insurance Archives - Spencer Insurance Agency, Inc

“Why did my car insurance rates go up when I haven’t any accidents or claims?”

Teen Driver Insurance and Resources


We hear this question often from our clients.  Car insurance rates for all companies have increased over the last few years and I’d like to address some of the reasons:

  • While technology in cars can make them safer on the road, it also adds to the cost to repair the car. My new Camry has five cameras to help me back up and see what is around my car. It also has lane departure warnings and helps navigate me back into the lane. I also have headlights that move as I turn my car.  All these features are great but to repair a bumper or windshield is now a lot more expensive.
  • There are more cars on the road than ever before and with stable gas prices people are driving more. More driving leads to more accidents.
  • Distracted driving. Do I need to say more?  I was on the road the other day when the driver in the car next to me was holding his cell phone to his ear talking with one hand as he drank his coffee using the other hand.  Not sure how he was driving.  It used to be when one of our clients was rear ended at a traffic light they were hit at about 10 MPH. Now due to distracted driving, drivers don’t even realize the light is red and smash into the car in front of them going 40 or 50 MPH. This leads to much more serious claims and higher payments. Over the last three years our agency has had three claims over $500,000 in liability payments.  Fortunately for two of our clients they purchased an umbrella policy that we recommended.

All these factors contribute to the rise in car insurance rates. Our goal at Spencer Insurance Agency is to make sure you are paying a competitive price for your insurance coverage. We review your renewal policy to make sure it is not out of line.  As independent agents we have several companies to choose from for your auto insurance rates.  If you ever feel your rates are too high let us know. We will check it out.  If another company’s rate seems a lot lower please call to discuss the quote with us to make sure you are getting the same coverage.  The “True Cost of Insurance” is not just the premium but also the additional out of pocket costs you incur because you had the wrong coverage.

Contact Spencer Insurance Agency for a second opinion on your car insurance.


If you do these things you may not have liability coverage. . .

   Teen Driver Insurance and Resources

Halloween is coming but this may be scarier.  You may be doing things that would be excluded on your car or home insurance.  Let me explain:

  • Do you use your car as a driver for a ride sharing company like Uber of Lyft? If so, as soon as you turn on the app to tell them you are available you have no coverage under your car insurance policy. Many believe that Uber or Lyft will cover you but our understanding is that you have very limited coverage between the time you turn on your app to tell them you are available and the time when you actually pick up a passenger.  We do have one company that will provide an endorsement to cover this gap so call us and let us know!
  • Does anyone in your house use a car to deliver pizza or deliver food for a company like grubhub or UberEATS? Does anyone deliver goods for a fee?  Many of our companies have an exclusion for your liability coverage that reads like this: “We do not provide Liability Coverage for any insured for that insured’s liability arising out of the ownership or operations of a vehicle while it is being used, or during the period of time it is available for hire, as a public or livery conveyance. This exclusion applies whether or not there is a passenger occupying the vehicle; or property being transported for a fee in or upon the vehicle.”  This means Uber, grubhub or pizza delivery.  About half the companies we represent have a similar exclusion so call us and let us know!
  • Do you use your vehicle to snow plow for a fee? Some of our companies exclude liability coverage when you use a plow. Let us know so we can get you the proper coverage.
  • Do you have a dog? Does the dog have a previous bite history?  If so, you may not have liability coverage for the next dog bite.  Contact us today to find out if your company has this exclusion.

Don’t be caught without liability coverage.  Contact us today to discuss your coverage before you have a claim. 

Spencer Insurance Agency, Inc. was voted Best Insurance Agency In the 2017, 2016 and 2015 Best of Montco