Pennsylvania Auto Insurance

Posted by Harry Wagner

Are you searching for cheap car insurance in Pennsylvania? We’ve already done the work and you can check it out if you enter a Zip Code in the box at the top of this page. We’ll provide Pennsylvania auto insurance quotes with the cheapest rates.

Pennsylvania, the Keystone state, has over 8 million licensed drivers. Of those, estimates indicate that over 7 percent drive without the required insurance. Fatalities in Pennsylvania were nearly 1,500 in 2008. In at least 500 of those deaths, alcohol use contributed to the cause. High speeds and a dense, urban population in many part of the state make insurance important to every driver in PA/

Most states have minimum insurance requirements for all drivers, and Pennsylvania is among them. The state has not passed any no-fault legislation. That means, as a tort state, that blame is assigned in each accident. Individuals determined as at fault, are held personally liable for damages. There is no required coverage for protection against uninsured/underinsured drivers. Pennsylvania auto insurance minimums are:

  • $15,000/$30,000 bodily injury per person per accident/for all persons per accident
  • $5,000 property damage liability
  • $5,000 personal injury protection

One of the things determining the cost of cheap care insurance in PA is the amount of coverage selected. Insurance protects you financially and it is important to carry adequate amounts. You can face a lawsuit in a tort state, and most drivers in Pennsylvania carry coverage above the minimums.

Pennsylvania law enforcement officers check for proof of at least minimum insurance coverage at every vehicle stop and accident. This proof is kept in vehicles at all times. If proof of insurance is not provided, a ticket with the stiff fine of $300 follows. Being found guilty of driving without insurance will result in your car being impounded and your license suspended.

You can get cheap car insurance in PA, but your final cost includes factors that you control and some you don’t. You can understand the thinking behind how insurance providers set rates if you understand it is all about risk. They determine what the risk is that they will have to pay a claim on a specific driver.

Because of this, the first thing insurance companies look at is your driving and safety record. The best way to keep auto insurance in P cheap is to avoid accidents and speeding tickets. The kind of car you drive and how much you drive it each month also enters into the insurance company calculations. Drivers buying auto insurance in PA pay more if they live in the bigger cities and drive to work during rush hours. Insurance companies offer different kinds of discounts, including ones for driver’s education classes and people who graduate from high school.

If you want cheap car insurance in PA, relax. We’ve already done the work and are waiting for you. All you have to do is use our insurance comparison website. Enter your Zip Code above. Your savings can start today.