Finding cheap Pennsylvania car insurance rates has never been easier.
Pennsylvania requires all drivers to carry auto insurance. Let CheapCarInsuranceQuoteTips.com help you find cheap car insurance in Pennsylvania. We'll provide you with a list of carriers with whom you can speak with about a PA car insurance quote.
It's really easy. Just place your ZIP code in the box to the right and you'll receive a list of carriers providing cheap Pennsylvania car insurance.
Keep the following information in mind as you speak to a carrier about your car insurance quote; Pennsylvania has specific insurance rules. For example, residents of the Commonwealth generally will need to purchase the following auto insurance coverage:
Liability - this is mandatory. Liability coverage protects you when claims are made against you. If you're at fault in an auto accident and you've caused property damage or injury to others, liability insurance is there to compensate those you've harmed.
Pennsylvania requires its drives to purchase a minimum of $15,000 per person and $30,000 per incident. You'll often see this referred to as "15/30." However, you may find it in your best interests to purchase more liability coverage. If the accident you caused seriously injures or kills someone, the minimum amount of liability coverage may not be enough to compensate them for their injury/losses. They then could sue you for the remainder and if you don't have sufficient liability coverage, they could "go after" your home, your salary, your investments, etc.
The carrier you choose to provide you with a Pennsylvania car insurance quote also will provide you with coverage for what is known in the Keystone State as First Party Benefits. The minimum coverage requirement is $5,000. This coverage will help pay for your medical care should you be injured in an auto accident.
When it comes to cheap car insurance, Pennsylvania is helpful in keeping your premium costs down because collision coverage is optional. Collision insurance helps pay for repairing your vehicle. You'll pay out of your own pocket up to the limit of your deductible. If the accident was not your fault, your insurance company will go to the other driver's company to refund you the amount of your deductible.
A PA car insurance quote can be additionally lower than in other states because comprehensive coverage also is optional. This type of coverage gives you protection if your car is stolen or if it's damaged in any way other than in an auto accident.
However, an optional insurance coverage you really should consider is what is known as uninsured motorist coverage, or UM. This covers you should you be involved in an accident with someone who is not insured.
Even though many companies offer cheap car insurance in PA, too many residents remain uninsured. Protect yourself from these drivers with uninsured motorist protection.
In fact, you should never consider being an uninsured motorist. The penalty for driving uninsured is too high: Your driver's license and vehicle registration will be suspended for three months and you'll have to pay a $300 fine. Once you show proof of insurance, you'll have to pay $50 each to get your license and registration back.
Don't do it. Instead, an affordable car insurance quote for Pennsylvania can be yours by simply entering your ZIP code on this page and then contacting the list of carriers we'll send you. Start saving money on car insurance today!
