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Auto Insurance

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Car and truck insurance provided by Strickler Insurance.

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You rely on your vehicle daily, and your vehicle relies on your car insurance coverage daily. Having car insurance guarantees to protect your investment and keep you on the road. Auto Insurance is a normal part of life. We all know it is needed and is required by the state, but just like shopping, we have questions about car insurance. 

You wouldn’t buy running shoes unless they fit. That’s why you always check their size, ask if they have a high arch, and how long they will last. The same is true for auto insurance. You want to buy the car insurance that fits you.

At Strickler Insurance we have a team of car and truck insurance professionals that can answer your questions and provide the best auto insurance that fits your needs.

What Are Some Common Questions About Auto Insurance?  

Here are a few we get: What is the best car insurance for my vehicle? What is the bare minimum car insurance coverage I need for my vehicle? What are the pros and cons of having minimum coverage on my vehicle? At Strickler Insurance, we have heard a lot of questions. While we are a phone call away, we are also dedicated to providing informative resources on our blog about car insurance. Below we answer a few of the big questions and would love for you to call or contact us for a free auto insurance quote.

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Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Why Are There Different Car Insurances?

Why can’t auto insurance just be a one size fits all? Well, if it was a one size fits all you would be paying more than you would need to for car insurance. Not only is car insurance different from state to state, but it varies based on your driving history, age, and experience as well as the location you live in or the number of miles you drive.

An inexperienced driver who is driving 100 miles every day with an expensive sports car should have more coverage than an experienced driver who drives a minivan only a few miles each week.

Let’s compare car insurance for the two drivers. Since the first person has a greater chance of being in an accident, it would be wise to have better auto coverage. Since the second person is less likely to be in an accident, they do not need as much auto coverage. If the first driver with the higher risk of getting an accident decides to get the bare minimum insurance, then it is likely they will be paying a large sum of money out of their own pocket. As a car insurance agent that is working for you, we never want you to have to spend your hard-earned money when correct car insurance coverage would keep you protected. That is why we will work with you and advise you on what would be the best insurance coverage for your vehicle.

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Lebanon Pennsylvania Car Insurance Specialists

Strickler Insurance has been providing car insurance since the automobile has existed. We have professional team members that can give you the best possible quote on your vehicle with the providers we carry. Whether you are looking for car insurance in Lebanon Pa, car insurance in the Lebanon Valley or car insurance in the whole of Pennsylvania, our experts can provide you with quality service and great coverage on your vehicle. Our team is focused on making sure Lebanon County’s vehicles are protected and insured. Learn more about our dedication to our local community and get your car insurance through us! Contact us for car insurance coverage in Lebanon PA.

Specific Auto Insurance Coverage

Beyond car insurance being different, people are different. Some people love their vehicles and want them to last as long as possible. Other people purchase a car that is simply for commuting and they want it to last but are not attached to it. There are additional insurance coverages you can get to fit those specific needs. For instance, if you live in a high car theft area you can get coverage for that. If your vehicle is an antique, you can get antique car insurance.

Get Your Auto Insurance From Strickler Insurance

If you hadn’t noticed we are a bit obsessed with auto insurance and with our customers. We want to know you personally so we can provide the best car insurance possible so you are safe and protected and you can stay driving the vehicle you love. While we are located in Lebanon Pennsylvania, we are fully equipped with the knowledge and experience to provide car insurance in a variety of locations. We primarily serve Pennsylvania, Maryland, New Jersey, Delaware, New York and Virginia. Contact us to get the best auto insurance we can provide!

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