Know the rules and regulations of PA before purchasing your Pennsylvania car insurance policy. Being a car owner is a pleasant experience for most people, who enjoying being in control of their own transportation and expressing their individuality in the size, color and style of vehicle driven.
However, if you live in Pennsylvania, it’s important to remember that there are very unique requirements for car insurance, which is needed to operate your vehicle legally on the roadways.
Read on to learn all about PA car insurance and then enter your zip code in to start comparing free online Pennsylvania car insurance quotes!
PA Auto Insurance Coverage Basics
If you’re thinking of moving to Pennsylvania or purchasing a car there in the near future, there are some things you should keep in mind:
- Every state has different requirements; don’t just assume that your old policy or your current insurance company is going to work in a new location.
- The cheapest policy is not always the best policy; think about what you’re willing to pay in the event of an accident and what your budget can handle for a monthly premium.
- Good driver discounts are available, but most companies won’t tell you how to take advantage of them if you don’t ask.
Pennsylvania is a No Fault State
One of the things that out of state drivers find very unique about Pennsylvania car insurance is that it operates under a no fault policy. This means that when accidents occur between two or more vehicles, each driver seeks restitution from his or her own car insurance company, not those of the other drivers. This policy holds in almost any situation, regardless of who is determined to be at fault.
This policy was instated so that frivolous law suits for vehicle damages could be eliminated, and means that each and every Pennsylvania driver is required to carry liability insurance which will cover at least some of the damages incurred by the victim’s person and their vehicle.
Pennsylvania Minimum Auto Insurance Coverage Requirements
If you are operating on a tight PA car insurance budget, it’s a good idea to know the exact policy dollar amounts that are required by the state, do you don’t waste your money on coverage that you don’t actually need to be a legal driver. In Pennsylvania the minimum limits are:
- $15,000 for the medical expenses of a single driver
- $30,000 for the combined medical expenses of all passengers in the vehicle
- $5,000 for any property damages, including repairs to the vehicle of the victim
Pennsylvania Car Insurance Options
Although many people are tempted to opt for the very least amount of PA auto insurance coverage they are required to carry by Pennsylvania auto insurance law, it’s important to realize that there are Pennsylvania car insurance options that can save you additional money in the long run. If you’ve got a car that you really want to protect, keep these additional types of coverage in mind:
- Comprehensive and collision insurance pays for damages incurred by the vehicle of the driver deemed responsible for the wreck. Those without comprehensive and collision insurance will be required to pay for all of their own repairs.
- Gap insurance will cover the difference between the value of your vehicle and the amount that you own on the loan, in the case that the car is totaled while it is still owned by the bank.
- Uninsured motorists insurance will protect you in the event that you are involved in a wreck with a person who is not carrying liability insurance.
PA Car Insurance Rates
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