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Matt & Curt Cramer
Matt & Curt Cramer, Owners

Pennsylvania Independent Insurance Agency

Auto / Car Insurance, Home Insurance, and Business / Commercial Insurance for Shippensburg and All of Pennsylvania

Carl L. Cramer Insurance LLC has been servicing the insurance needs of individuals within Pennsylvania and Maryland since 1956. Located in Shippensburg, our insurance agency has grown into a “one-stop-shop” for a variety of insurance products, including home insurance, auto/car insurance, business/commercial insurance, and life insurance.

The agency focus is on client needs and prides itself on servicing those needs. We are fortunate to work with clients in Shippensburg, Newburg, Chambersburg, Carlisle, Hagerstown, and surrounding areas.

Thank you for taking the time to visit our website. Whether an existing client or a possible future client, we hope you find the site informative and educational.

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
Click here to get an auto insurance quote with Erie Insurance "ERIE Auto Insurance Quote" (opens in new tab)
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Click here to use the Erie Insurance Life Insurance Calculator "ERIE Life Insurance Calculator" (opens in new tab)

Pennsylvania Insurance Quotes

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Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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ERIE

ERIE's YourTurn® Program

There is a new way Erie Insurance is looking out for you and wants to help you stay safe on the road.
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Recent News & Updates

Leveraging Life Insurance to Make a Difference

Posted: April 22, 2024

Earth Day serves as a poignant reminder of the importance of preserving our planet for future generations. As individuals committed to protecting the environment, many of us seek opportunities to leave a lasting legacy by supporting charities and causes that champion environmental conservation. One powerful way to make a meaningful impact is by leveraging life insurance to support these vital initiatives. Understanding Life Insurance as...

Can Dash Cams Save You Money on Your Insurance?

Posted: April 22, 2024

In times like these, we’re always looking for ways to save a little extra, right? This leads many of us to seek out what we can do to add some more discounts onto insurance policies and cut down on some recurring monthly expenses. While, in general, insurance companies do not offer a discount on auto policies for having a dashcam, there are some surprising perks to...

The Cost of Not Having Business Insurance

Posted: April 19, 2024

Running a business comes with many risks, from property damage to legal liabilities. While some business owners may see insurance as an unnecessary expense, the cost of failing to have adequate coverage can far outweigh the premiums paid. It is essential to understand the potential consequences of operating without business insurance. Financial Losses from Property Damage Property damage can occur unexpectedly due to natural disasters,...

What Is Cash Value Life Insurance?

Posted: April 19, 2024

Understanding different types of life insurance policies and their unique benefits will help you choose the right option for you and your family. Term life insurance provides coverage for a limited amount of time and/or amount of benefit. Term insurance has no cash value.In contrast, whole life insurance1 is coverage that is in place your entire life, and it offers unique benefits, including the ability to accumulate...