Car Insurance in Pennsylvania

Best Ways To Get Car Insurance in Pennsylvania

If you are one of the millions of licensed motorists in Pennsylvania, chances are you’re hoping to save more than a few dollars on your car insurance. Car insurance companies consider your gender, location, age, and driving record to calculate premiums.  

Credit score, marital status, vehicle type, previous coverage, and miles are driven are other factors that can all play an important role in the amount you’ll pay for coverage.

If you are shopping for the cheapest auto insurance in Pennsylvania, you might be considering purchasing state minimum coverage.

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While a minimum coverage car insurance policy can help you secure the lowest average cost, it can also leave you vulnerable to higher out-of-pocket costs if you cause an accident. 

Most insurance agents recommend that you purchase full coverage for more financial protection.

Minimum liability auto insurance is the lowest level of coverage drivers can purchase, making it the least expensive form of insurance.

A liability policy in Pennsylvania that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. 

Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at fault. 

If you have a minimum-coverage policy and are in an at-fault accident where damages or injuries exceed your limits, you’ll be required to pay for excess damages yourself.

In addition, minimum liability insurance doesn’t cover damage to your vehicle. 

However, while minimum coverage may be more affordable than say full coverage, it also provides very little financial protection and can put you at risk for high out-of-pocket costs if you get into an accident. If you want more coverage but are still looking for low rates. 

Although purchasing the minimum amount of required car insurance will allow you to legally drive, you may want to purchase higher liability limits to better protect your finances if you cause an accident.

You could also consider collision and comprehensive coverage to provide coverage for damage to your vehicle. This is called “full coverage car insurance” and is generally a requirement if you have a loan or lease on your vehicle.

Shopping for cheap car insurance companies doesn’t mean you have to buy minimum coverage. You can find full coverage options at affordable prices as well. by comparing quotes. A full coverage car insurance policy provides financial protection for damage to your vehicle as well as the damage you cause to others. Full coverage typically refers to an insurance policy with both liability and physical damage coverage. 

It can also describe a single policy that includes all possible coverages including Bodily Injury, Property Damage, Uninsured Motorist, PIP, Collision, and Comprehensive.

You’re typically legally required to carry about half of those coverages. Having the whole package is called “Full Coverage”, and some people opt for it to get greater financial protection. 

Events That Can Impact Your Cheap Rates In Pennsylvania

If you’ve recently experienced a life event, you might have seen an increase in your premium. Shopping around for coverage after the following life events might help you secure a lower rate:

Added A Teen Driver: 

Teen drivers generally cost more to insure than adults due to their lack of experience and higher-than-average rates of accidents. You might be able to lower the insurance cost for your teen by taking advantage of discounts. Rates will generally decrease as a young driver gains experience.

Received A Speeding Ticket:

 Speeding can increase the risk of accidents and make accidents more serious. Getting convicted of a speeding ticket will generally increase your rates for three to five years. Insurance companies increase the cost of coverage to compensate for the increased risk of insuring you.

Involved In An At-Fault Accident: 

Causing an accident means that insurance companies may view you as more likely to cause another. Just like with tickets, this generally results in a premium increase for three to five years. After the accident is old enough, you might see your rates go back down.

Deemed A High-Risk Driver

If you have a few accidents, tickets, a DUI conviction or a combination of incidents on your record, you might be considered a high-risk driver. Not all insurance companies will write coverage for high-risk drivers, so you may need to shop around for a new policy. Your rates will likely be higher than if you had a clean driving record, but you might still be able to find affordable coverage.

Minimum Coverage Requirements For Pennsylvania Drivers

Pennsylvania has insurance laws that expect drivers to carry at least minimum degrees of specific car insurance coverage types. Pennsylvania’s minimum liability requirements are 15/30/5

The state imposes that all drivers maintain at least the subsequent minimum liability coverage:

$15,000 bodily injury liability per person

$30,000 bodily injury liability per accident

$5,000 property damage liability per accident

$5,000 personal injury protection (called “First-Party Benefits” or “FPB” in Pennsylvania)

Your Pennsylvania insurance firm must also offer uninsured and underinsured motorist coverage to all drivers, although these options can dwindle in writing.

Pennsylvania is a no-fault state, but drivers can select between two “tort” options. Insufficient tort gives drivers the right to sue an at-fault party for medical expenses, but no pain, suffering or any nonmedical expenses. Full tort means that drivers can sue for both medical and nonmedical costs attributed to injuries in an accident.

Here Is How To Find Affordable Auto Insurance In Pennsylvania

Shopping for cheap car insurance in Pennsylvania doesn’t have to be twisted. You can utilize a few strategies to find the most affordable taxes for the types and statuses of coverage that you need. Once you have inexpensive car insurance, you can take steps to help keep your rates low.

Avoid Accidents And Tickets: 

Drivers with clean driving records generally pay less than drivers with a record of accidents or tickets. These incidents can be proof of hazardous driving manners and they generally result in premium taxation. Keeping a clean driving record can help you avoid those increases.

Shop Around: 

Several safety providers employ numerous dating algorithms to deduce your premium, which means that the cost for the same coverage can fluctuate. Getting quotes from a few different companies might help you find the lowest rates for your circumstance.

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