Auto Insurance in Pennsylvania & Maryland
Why shop around when we can do it for you?
Most drivers think all car insurance is the same until they have an accident. At Kelly Glass Insurance, we know there is a difference. As an independent agency, we don’t work for one big insurance company—we work for you.
We compare rates from top carriers like Nationwide, Progressive, and others to find the best coverage for your specific vehicle and driving history. Whether you are commuting through Lebanon County or driving across the Maryland state line, we ensure you’re covered every mile of the way.
Coverage That Goes Beyond the Basics
Insurance lingo can be confusing. We break it down into common sense so you can make an informed decision:
- Liability Coverage: Protects your assets if you are at fault in an accident.
- Collision Insurance: Covers damage to your vehicle from an accident, regardless of fault.
- Comprehensive Coverage: Protects against "acts of nature," theft, fire, or hitting a deer (a common risk in PA!).
- Uninsured/Underinsured Motorist: Critical protection if you’re hit by someone who doesn't have enough insurance or no insurance.
- Medical Payments: Helps pay for medical bills resulting from an auto accident.
What is the minimum auto insurance required in Pennsylvania?
Pennsylvania law requires "financial responsibility" of at least 15/30/5. This means $15,000 for bodily injury (per person), $30,000 for bodily injury (per accident), and $5,000 for property damage. However, we often recommend higher limits to protect your personal savings from lawsuits.
What are the Maryland auto insurance requirements?
Maryland requires higher minimums than PA, currently set at 30/60/15 ($30,000 per person/$60,000 per accident for injury and $15,000 for property damage). You must also carry Uninsured Motorist coverage.
How can I lower my car insurance premium in Lebanon, PA?
The fastest way to save is by bundling. Combining your auto and home insurance with Kelly Glass Insurance can save you additional money. We also look for safe driver discounts, student discounts, usage-based insurance, and multi-vehicle savings.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we’re your neighbors on East Cumberland Street.
- Personalized Focusing on You Reviews: You’re a person, not a policy number. We sit down with you to review your policy periodically.
- Claims Advocacy: If the unexpected happens, we’ve got your back. Access our 24/7 Carriers Directory. For additional, general claims process questions, call us at (717) 272-2242 to talk to an associate.