Are you looking for the best Pennsylvania auto insurance policy. You do. Pennsylvanians are always looking for ways to reduce their car insurance while still getting the coverage they need.
Pennsylvania, like all other states, has requirements regarding automobile insurance for anyone who wants to drive a motor vehicle. Pennsylvania is densely populated with high crime rates in major cities like Pittsburgh and Philadelphia. However, it is possible to get affordable auto insurance.
According to the U.S. Census Bureau, the state is home to 12 million people. The population has grown at 1.2 percent per year over the past couple of years. Continue reading if you are a Pennsylvania resident and would like to learn more about automobile insurance policies.
Pennsylvania Auto Insurance Policy State Requirements
Before we get into the details of automobile policy and the services it offers, it’s important to mention what the Pennsylvania Department of Highway Safety and Motor Vehicles considers the minimum PA car insurance required for someone to travel on the roads of these great States. Pennsylvania law requires that a driver of a motor vehicle must have coverage for 15/30/5. The first number is $15,000 for bodily injury per person. The $30,000 is for Bodily Injury. However, that amount should be sufficient to cover everyone in an accident. The $5,000 and the property damage coverage are also important. They can either pay the property to another person or the state.
It is important that we emphasize the fact that most people prefer minimum coverage. This allows them to save money while still being able to drive. Pennsylvania uses a tort system and not a No-Fault system. Therefore, it is mandatory that the driver is found to be at fault for the accident. After an accident, these drivers and their insurance company will be responsible to pay for any damages done to property and others. It is crucial that you choose the right amount for you and your family so that you are not left with a financial burden following an accident.
What Types Of Coverage Are Available in a Pennsylvania Auto Insurance Policy
Pennsylvania is like any other state in that it allows citizens to choose the amount of auto insurance they want, provided it does not exceed the minimum required by the state government. Many people wonder what coverage they should get and what the meaning of all those terms in their policy. Below is a list of all the coverages found in Pennsylvania auto insurance policies.
1. Bodily Injury Liability is a mandatory coverage for Pennsylvania residents who want to drive a motor vehicle. This main coverage will protect you from being sued and having your insurance company pay thousands of dollars for injuries caused by someone else (if it was your fault). This coverage covers medical bills and pain and suffering. Sometimes, it even covers income loss. You should have enough bodily injury coverage to cover any injuries to someone.
2. Pennsylvania law also requires property damage coverage. This will protect you against having to pay out of pocket for repairs to the car, house, or tree damaged by another driver. This will be a defense in the event that another party files a lawsuit against your. You will have already paid all costs associated with the accident.
3. Comprehensive Coverage: Only those who lease a vehicle, or are still paying on their car, need this type of coverage. Although it is optional, it is a good option. It protects your car (and possessions) against fire, hail, vandalism, and other circumstances as specified by the policy.
4. Collision Insurance: This name says it all and although it isn’t mandatory, it is one that every person should have. You can have your vehicle repaired if it is damaged in an accident or replaced if your car is totaled.
5. Personal Injury Protection (PIP strong> This coverage covers you for any medical expenses that might arise from an accident. It covers your family members, the passengers in the car, and any other drivers who are eligible under the same policy. Sometimes, it will pay for the funeral expenses of the insured.
6. Underinsured/Uninsured Motorist (UM/UIM): This is another coverage that is given away by the name. This coverage will help you tremendously if you are involved in an accident with someone who does not have auto insurance or does not have sufficient insurance to cover your vehicle.
Tips for Finding a Cheap Pennsylvania Auto Insurance Policy
Some people give up on finding affordable automobile insurance because they believe it is impossible. However, there are some things you can do to ensure that you get a policy that is priced well.
1. The Minimum Coverage: While it may not be enough for everyone, it could save some people who live from paycheck to paycheck. This advice is only for those who have an older car and are able to replace it in case of an accident. It can save you thousands of dollars each year.
2. Increase your Deductible: This may be the best way to lower policy prices for those who are required to have comprehensive and collision coverage. A higher deductible means you’ll have to pay more out of pocket for an accident. However, you will notice a significant change in the price when you receive your monthly premiums. A good deductible can help you save money and is usually $500. You should only increase your deductible if it is possible.
3. Ask for discounts. Although discounts can vary from one state to the next and even between companies, you can rest assured that all companies offer some savings opportunity. The most popular discounts are the senior driver discounts and good student discounts.