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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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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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teenSMART® safety training that pays off

Smarter driving skills today can mean savings tomorrow.

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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

Boat, RV, and ATV Insurance: What Recreational Vehicle Owners Need to Know

Posted: August 16, 2026

Summer is peak season for recreational vehicles. Whether you're out on the water with a boat, exploring the country in an RV, or hitting a trail on an ATV, August brings some of the highest usage of the year for these vehicles, and that makes it a great time to make sure your insurance coverage is in order. Many people assume their standard auto or...

Is Your Employer-Provided Life Insurance Enough? What You Should Know

Posted: August 7, 2026

Employer-provided life insurance, often called group life insurance, is a policy your employer purchases to cover you and sometimes your dependents. It's typically offered as part of a benefits package and may be fully paid for by your employer or offered at a group rate. Most group life insurance policies provide a death benefit equal to one or two times your annual salary. So if...

When Should I Call My Insurance Agent?

Posted: August 4, 2026

An insurance agent isn’t just someone who can sell you a policy. Whether you have a question about your coverage, need to file a claim or change your policy, your agent can provide insurance solutions to a seemingly countless number of issues you might run into. And the conversations you have with your agent can help provide protection from the unknown and greater peace of...

​What to Do After a Hit and Run​

Posted: August 4, 2026

Getting in a car accident is enough to ruin anyone's day. But if you’re involved in a hit-and-run, the experience can be especially disorienting. You realize that your vehicle’s been hit and before you can step out to get the other driver’s information, their car is taking off into the distance. As overwhelming as the experience can be, how you react next can play an...