Insurance for your car

Have some special needs? We realize that not every person’s auto insurance can fit into a single policy. That’s why we offer a bunch of options you can tack on to your policy at an additional cost. (Remember, not all of these options are available in all of our states.) Here are some of them:

• Audio, visual and data electronic equipment This applies to any electronic equipment that is permanently installed in your vehicle, such as car phones, CDs, VCRs, personal computers, TVs, "scanners" and CB radios. Your tapes, records and discs are also covered.
• Auto loan/lease coverage Protect yourself against the difference between the amount due on a loan or lease and the actual cash value (before the damage occurs) of a "totaled" vehicle.
• Covered property coverage If you have a camper trailer, you can make sure the permanently installed equipment inside the trailer like appliances, cabinets and tables are insured for the same losses covered as your auto’s comprehensive and collision coverage. Outside items like awnings and cabanas that are excluded by the basic auto policy can be insured through this option.
• Customizing equipment coverage If you have a customized van or pickup, you can protect the special furnishings, equipment and decorations that aren’t included in your auto policy.
• Extended transportation expenses One of our most popular and affordable options, this coverage pays for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is disabled. Let’s say you have the double misfortune of damaging the temporary replacement auto (whether it’s rented or borrowed), your loss of use expenses also would be covered, pending your legal responsibility.
• New car repair or replacement coverage If you have an accident within five years of the date you purchase a newly manufactured vehicle, we will pay—less the standard "collision" deductible—to either repair or replace the damaged vehicle with an equivalent new car, depending on the degree of loss. You must, however, purchase this coverage within the first 30 days after you buy the car.
• Towing and labor costs With this coverage, we will pay up to $75 (depending upon the state in which you live) toward the costs of towing your disabled vehicle or repairing the car on the spot where it breaks down or is damaged.

• Loss forgiveness In most states, if you’ve been insured with us for more than six years and have been loss-free during that time, we will waive any surcharge related to your first at-fault accident with us.
• Loss-free credits You can receive discounts based on the number of years you’ve gone without causing an accident. The actual discounts vary by state and the length of time you’ve been insured with us. Even if you’re not insured with us currently, we offer this discount in many states to new customers who have been loss-free prior to applying with Harleysville.
• Multi-car discount When you insure more than one vehicle with us, you can save up to 25 percent on your premium. Remember, you get this discount for each car you insure with us.
• Companion credit If you have both your auto and homeowners policies with us, we’ll give up to an additional 10 percent off your premium.
• Anti-theft discount Depending on whether your anti-theft device is an active or passive unit, you can save up to 15 percent on your comprehensive coverage.
• Passive restraint discounts To qualify, your vehicle must be equipped with a factory installed automatic restraint system (airbags or passive seatbelts). A 20 percent discount applies if the restraint is installed in the driver side only position, and a 30 percent discount applies when the restraint is installed in both front seat locations.
• Anti-lock brake discount We give a 5 percent discount for bodily injury and property damage liability or single limit liability for all vehicles equipped with a factory installed four-wheel, anti-lock braking system (ABS).
• Driver training discount We reward young drivers who have successfully completed an approved driver training course with this discount.
• Motor vehicle driver improvement discount Adults, too, can lower their premium by approximately 5 percent through the successful completion of an approved driver training course.
• Good student discount Have a good student in your household? A "B" average or better qualifies a full-time high school or college student for this special discount.
• Student away at school If your student is away—far away—from home for school, he or she may qualify for this discount. (Has to be over 100 miles from home.)

If you haven’t found what you’re looking for or if you have additional questions, contact an agent in your area. Or, get in touch with our office nearest you. Want to cut your auto insurance costs? Click here for some ideas.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

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