Auto Insurance in Lansdale, PA — More Carriers, Less Legwork

One Broker. Multiple Carriers. A Better Way to Shop for Auto Insurance.

We're an independent insurance agency, which means we work for you — not for any single carrier. When you contact Ashmead Insurance for auto insurance in Lansdale, PA, we compare rates and coverage options across multiple top-rated companies to find the policy that fits your situation. You get the breadth of a wide market search without having to repeat your information to five different agents.

Carriers We Work With

We place auto insurance through a range of admitted carriers serving Pennsylvania, Delaware, and New Jersey. Because we're independent, our carrier options aren't limited to one company's lineup. We compare across the market so you're not locked into a single set of rates or underwriting rules.

Ways to Lower Your Auto Insurance Premium

Multi-Vehicle Discounts

Insuring more than one vehicle on a single policy typically reduces the per-vehicle premium. We'll confirm whether bundling your household vehicles saves money across the carriers we compare.

Safe Driver and Telematics Programs

Many carriers offer rate reductions for drivers with clean records or for those willing to participate in usage-based monitoring programs. If your driving habits are solid, these programs can produce real savings.

What Your Auto Policy Can Cover

Liability Coverage

Liability pays for injuries and property damage you cause to others in an accident. Pennsylvania requires minimum liability limits, but those minimums often fall short of real-world costs. We help you choose limits that reflect your actual exposure.

Collision Coverage

Collision covers damage to your vehicle when you hit another car or object, regardless of fault. If you're financing or leasing your vehicle, your lender likely requires it.

Comprehensive Coverage

Comprehensive covers losses outside of collisions — theft, vandalism, weather damage, falling objects, and animal strikes. It's typically paired with collision for full physical damage protection.

Uninsured and Underinsured Motorist Coverage

If you're hit by a driver with no insurance or insufficient coverage, this protection keeps you from absorbing the cost. Pennsylvania has a meaningful share of underinsured drivers, making this coverage worth carrying.

Medical Payments and Personal Injury Protection

These coverages pay for medical expenses for you and your passengers after an accident, regardless of who caused it. Pennsylvania is a choice no-fault state, so understanding your PIP options matters.

Roadside Assistance and Rental Reimbursement

Add-on coverages like roadside assistance and rental reimbursement are inexpensive ways to avoid out-of-pocket inconvenience after a breakdown or covered claim. We'll walk you through which add-ons are worth it for your driving habits.

Who We Work With in the Montgomery and Bucks County Area

We've been serving drivers in Colmar, Lansdale, and the surrounding Montgomery and Bucks County communities since 1957. Our clients include homeowners bundling their policies, contractors and small business owners insuring personal and commercial vehicles, and families comparing coverage as their situations change. If you're in North Wales, Hatfield, Doylestown, or New Hope, we can help you find the right auto coverage for your area and driving profile.

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Frequently Asked Questions About Auto Insurance in Pennsylvania

  • How much does auto insurance cost in Pennsylvania?

    Rates vary based on your driving record, vehicle, zip code, coverage selections, and the carrier. Pennsylvania drivers in suburban markets like Lansdale and Doylestown typically see different base rates than urban areas. The best way to know your number is to compare quotes across multiple carriers — which is exactly what we do.

  • What is the minimum auto insurance required in Pennsylvania?

    Pennsylvania requires a minimum of $15,000 per person / $30,000 per accident in bodily injury liability, $5,000 in property damage liability, and $5,000 in first-party medical benefits. These minimums are a legal floor, not a coverage recommendation — most drivers benefit from higher limits.

  • Can I bundle my auto and home insurance through Ashmead?

    Yes. We place both auto and home insurance and can compare bundled options across carriers. Multi-policy discounts are available through several of the carriers we work with, and consolidating your coverage with one broker simplifies the renewal process.

  • How does an independent agent differ from going directly to a carrier?

    When you go directly to a carrier, you see only that company's rates and products. As an independent agency, we compare multiple carriers on your behalf. You get broader market access through a single conversation, without repeating your information to multiple companies.

  • Do you write auto insurance for drivers in New Jersey and Delaware?

    Yes. We write personal auto insurance in Pennsylvania, New Jersey, and Delaware. If you live near the border or own property in more than one state, we can discuss your coverage needs across both.