State laws related to minimum insurance coverage for motor vehicles vary from one state to another. Some states do not impose stringent laws on people while others insist on people following specific laws that are complicated. Irrespective of the state you live in, you should understand and adhere to the auto insurance laws, rules, and regulations that are mandatory. If you live in Pennsylvania, prior to purchasing cheap car insurance in PA it is important to understand the Pennsylvania car insurance laws regarding insurance coverage.
PA Car Insurance Laws
As in all other states, the state of Pennsylvania expects their vehicle drivers to be responsible with the necessary auto financial requirements. Drivers will require auto liability or self insurance to drive. Drivers will need to prove to PennDOT, the Pennsylvania department of Transport, that coverage has been acquired to protect themselves or any others involved if an accident occurred – and to prove that they are financially responsible.
Once your vehicle is registered the minimum liability insurance coverage is as follows:
- $15,000 for injury or death to one person in an accident
- $30,000 for injuries or death to more than one person in an accident
- $5,000 for property damage
Medical coverage – this will pay your medical bills as well as anyone else who is on your policy whether you were at fault or not. You must have at least $5,000 in coverage for this.
Bodily injury – you must have at least $15,000 in coverage to pay the medical expenses and possible rehabilitation fees for anyone you injure in an accident where you were at fault. You also must have $30,000 to cover injuries for anyone else who may have been injured as well in the other vehicle. The $30,000 is for the entire accident and can be dispersed among all the people involved.
Property damage – you have to have at least $5,000 in coverage to pay for the other person’s car or property that was damaged in an accident that you caused.
You also must decide whether you are going to choose a limited or full tort. You can save money if you choose the limited tort. If you choose the full tort you can sue the party that is negligent.
Although these are the bare minimum requirements it is within a registered owner best interest to actually carry a lot more insurance, generally as much as you can afford. Accidents can be costly, and the bare minimum required by the state may not protect you against expensive medical bills, or the possibility of being sued by the other party involved.
If you do not take auto liability insurance you must then provide self insurance documentation to prove your financial responsibility to the state – you must have at least one, or the other. If you decide to go the self insurance route you will need to complete the following applications to PennDOT:
- An application for self insurance
- A master self insurance and security agreement
- A current statement of earnings
- A security deposit of $50,000 for the first vehicle, and $10,000 for any additional vehicle.
Pennsylvania car insurance laws have combined tort charge system and no-fault system together. Car owners can select from the limited tort coverage or full tort coverage while purchasing a car insurance policy. The full tort coverage is an at-fault insurance coverage wherein the injured party can sue the driver responsible for the accident for compensation or damages inclusive of medical costs and loss of monthly salary. The limited-tort cover restricts the settlement and does not include the damages for pain and suffering experienced due to the accident. Limited tort insurance coverage have lower premiums and limited right to compensation.
As per the Pennsylvania car insurance laws, the state has a specific risk plan that makes insurance available to drivers who do not have coverage or who cannot get one. Almost all the insurance service providers in the state engage in this assigned risk plan. The plan allows individuals to get insurance coverage, irrespective of the risk taken by the insurance provider in granting coverage.
Uninsured Motorist Coverage Laws
The uninsured motorist coverage provides additional protection upon the payment of an extra premium. The uninsured or underinsured motorist coverage is applicable only in the instances when you are not at fault, and the other party involved does not have adequate insurance to settle your damages.
Uninsured motorist – even though it is against the law to drive without car insurance there are people who do it. If you are in an accident with someone who does not have car insurance this coverage will pay for your injuries as well as the other passengers in your car. It does not cover damage to your vehicle or any other property.
Underinsured motorist – you may become involved in an accident where the other driver does not have enough insurance. This coverage will kick in what is needed to make up the difference.
Penalties For Violation
It may take some time before PennDOT receive details of your insurance coverage, but you will need to prove that you have acquired the state’s insurance requirements.
You will be required to produce at least one of the following:
- A proof of insurance identity card or at least an insurance policy.
- An insurance binder taking note of the expiry date as upon expiration you will have to submit further proof.
- A Pennsylvania assigned risk plan application.
- A signed letter proving that you have coverage from your insurance carrier.
Penalties for not maintaining insurance or financial responsibility include handing in your plates to the department which in turn will prevent you from driving, this is the only penalty you will receive. If there is a lapse in the insurance coverage less than 31 days, but you can prove you did not drive the vehicle during that time, then no further penalty will be imposed other than you cannot drive until coverage is purchased. In various other circumstances however, if you have been found with no coverage while driving you could ultimately face a $300 dollar fine, a three month registration and license suspension along with a $176 fee to have both reinstated. While your vehicle registration is suspended no other person can drive your vehicle.
Tips To Compare Pennsylvania Car Insurance Quotes
It is wiser to compare Pennsylvania car insurance quotes before reaching a conclusion on the auto insurance that satisfies your requirements. A few tips for comparing quotes prior to investing are:
- Calculating the needed coverage
Prior to comparing Pennsylvania car insurance quotes, you must decide on the insurance coverage that is necessary for you. Understand the minimum liability insurance requirement stated as per the laws of the state and calculate appropriately. A comprehensive cover will prepare you to meet any kind of situation and settlement. After deciding the coverage needed, you must begin to gather the quotes offered for the level of coverage you need from different insurance providers.
- Checking out the insurance provider
In the process of choosing adequate auto insurance, you should also do a background check on the companies that offer the coverage ideal for you. Choosing insurance companies since they offer lower rates and premiums may not get you a worthy deal. Checking out the reputation of the insurance provider is important before comparing the quotes. The companies you choose to get Pennsylvania car insurance quotes from must be rated high in independent insurance company ratings and be financially stable. Info regarding the company can be gathered form third party customer feedback sites and testimonials from previous customers.
- Using Free online quote tools
For obtaining the best and affordable car insurance policies available in the market, you can make use of free online quote tools that is available online. Making use of quote tools that can compare many insurance providers and policies simultaneously can help you save time. You have to provide the free quote comparison sites with a few basic details like your name and location and the cars type, make and model among others. The comparison sites will provide a list of policies offered by various insurance companies and their quotes. Using the comparison site, you can get a worthy bargain that is best for your car.
- Caution against hidden costs
While comparing various quotes for car insurance policies, you must take into consideration the hidden fees and charges mentioned in them. The quotes generally inform the prospective policy holders only about the rates and premiums. A few insurance companies in Pennsylvania charge hidden costs which can add a huge amount to the final rate of the policy. Though the rates and premiums seem affordable these extra charges can make the policy expensive. So, choosing plans without any such costs will be economical.
- Looking for discounts
When you compare various Pennsylvania car insurance quotes, you will find insurance companies providing discounts to individuals who purchase policies online, purchase another policy from the same provider and are senior citizens. Opt for the policies that get you discounts as it will help you save money.
Tips To Compare Pennsylvania Car Insurance Company
It is important to make sure you are selecting the appropriate company based on objective criteria including the quoted rate but also the quality of the company. The following step-by-step guidelines contain important questions you should ask your insurance company to insure you receive not only a quote, but an idea of how well the company serves its clients.
Question #1: What is your insurance company's credit rating with Moody's, Fitch and Standard & Poor's?
Should be credited rating to be "A" "A+", "AA" or "AAA".
Question #2: How many years has your insurance company covered drivers for automobile insurance in the State of Pennsylvania?
Should be 4 or more years.
Question #3: If I am involved in an accident, who will adjust my claim, a company-adjuster or a contract-adjuster?
Should be contract-adjuster.
Question #4: What is your companies complaint ratio?
Should be no higher than .80, if it is higher, you may wish to proceed cautiously.
You Must do Your Research to Find the Best Company
There are over 800 such companies in Pennsylvania that offer automobile liability and automobile physical damage coverage! That means you have many companies competing for your business.It also means insurance policy buyers have a gamut of options to choose from, in regard to insurance companys in Pennsylvania. To find the best insurance companys from a wide variety of companies can be an enormous task that includes extensive research and analysis. The insurance companies in the state provide a range of Pennsylvania car insurance to suit the budget and coverage needs of drivers and vehicle owners. With every individual having specific requirements and needs, picking out the right company can be challenging.
- Financial stability
The financial stability of an insurance companys is a prominent thing to consider since a large amount of investment is involved in purchasing policies. A company that can pay out the coverage costs appropriately should be the perfect choice. Checking out the clientele, the previous track record and pay out history will help you to make an informed decision. Even if it is difficult to get the record of pay out details of a company, the news about the companies that do not pay the claims can be gathered from the internet through customer reviews and feedbacks.
- Policy choices
The range of choices offered by a Pennsylvania car insurance companyshould be evaluated before making choice. You should choose insurance companys who offer a wide range of options along with exciting discounts and deals. With more options, individuals can select the right policy that offers them good coverage at affordable rates. Lesser options will result in people not finding a cheap and worthy deal.
- Customer relations
While picking out a Pennsylvania car insurance company from the unending list of companys, it is imperative to know about their customer service. A company providing round-the-clock customer service can guide you through the intricacies of insurance policies and clarify all the doubts that arise. If the insurance company answers all your queries and is transparent in revealing their company policy, then it is the best insurance company.
- Reviews, ratings, and testimonials
The third party feedback sites and independent rating agencies can help you find the right insurance companys. It is important to read the testimonials, reviews and feedback provided by previous clients of the insurance companies before opting for the insurance companys. High rated companies, as per the independent rating companies offer high quality customer service, variety of options, discounts and unique privileges to the customers and choosing these companies can get you a great Pennsylvania car insurance deal.
- Recommendations and expert advice
A friend or a family member who has benefited from insurance policies can help you with their recommendations on the best company around. Insurance agents and professionals who possess complete knowledge in their area of expertise can also guide you in the process of deciding on the right insurance company for you. They can offer their expert opinion on the advantages of a particular Pennsylvania car insurance company and its policies over the others available in the state.
Allstate, State Farm, American International Group (AIG), USAA Group, GEICO, NationWide, Farmers, and, Liberty Mutual are just some of the nations top insurance companies who offer auto-insurance policies in the State of Pennsylvania.
Pennsylvania is a 'Choice-No-Fault' state, which means the insurance laws in the Keystone State are more complicated than in most other states.
Pennsylvania Car Insurance Rates
Pennsylvania car insurance rates average minimum prices are :
|Pennsylvania Minimum Car Insurance Coverage||$452 - $593|
|Pennsylvania Minimum Full Coverage Car Insurance||$1,214 - $1,369|
|Pennsylvania Minimum Car Insurance Coverage for Young Drivers||$1,172 - $1,387|
|Pennsylvania Minimum Full Coverage Car Insurance for Young Drivers||$1,937 - $2,145|
|Average car insurance Pennsylvania per month||$37 - $178|
Getting Affordable Pennsylvania Car Insurance
An affordable Pennsylvania car insurance that offers comprehensive coverage can protect your car if an accident and help you save a considerable amount of money. Finding cheaper car insurance in Pennsylvania requires a bit of research, analysis, evaluation and comparison. With the state having a no-fault system in insurance coverage, you should be discreet and cautious while purchasing auto insurance in Pennsylvania.
Pennsylvania’s leading auto insurance companies quickly and accurately online. Because insurance rates can range as much as 300%, making sure that you perform meticulous online research is important to finding the best policy for you.
Pennsylvania Car Insurance Policies come in all shapes and sizes, depending on
- The type of car you drive
- Your age
- Your driving record
- Your credit rating
- Where you live
- Your occupation
- The exact type of coverage you require.
Certain occupations get lower car insurance premiums. For example, and engineer or a teacher will typically receive lower insurance quotes. There are other occupations as well who get discounts. Make sure you insurer knows what your occupation is, the safer your occupation the better chance you have of getting discount.
If you just got a new or used car, you can find cheap Pennsylvania auto insurance quoteswith a few clicks. Some drivers and vehicle details are usually required for an accurate quote.
- Maintain a strong credit-rating
- Retired and over age 55
- Over age 65
- Live in a rural area
- Commute to work or school over a relatively short distance and drive less than 12,000 annually 6. Drive a car with a high safety rating and/or is relatively inexpensive to repair compared to other vehicles on the road
- Maintain a clean driving record with no points on your license
In addition to the standard safety discounts, we have listed three more lesser known ways to improve your rates.
- If you have not any accidents over the years, then ask for a 'No-claim' discount. This may be available to you from your insurance company and could lower your premiums.
- Shop for auto-insurance every year. While this strategy may not work well for everyone, you may be able to find lower rates for the exact coverage from a different insurance company than the one you have now. You may even get paid to switch.
- Reduce the miles you drive every year to less than 12,000 and you may be switched to a lower cost category at your insurance company.
Four Tips for Senior Citizens
ere are four tips that will help if you are a Senior Citizen:
- As a senior-citizen, you may be subject to higher car insurance rates. A disproportionate number of accidents involving senior citizens occur at intersections, this means make sure you look ahead if you are going to change lanes quickly after you leave an intersection, and, when you are stopped make sure your wheels are pointed straight ahead - if you get struck from behind you do not want to end up in the oncoming lane of traffic.
- Follow the flow of traffic, drive at or near the speed limit, driving too slowly is just as dangerous as driving too fast.
- Sit high enough in your car seat so that you are able to see at 10-feet in front of your car.
- Take the driving refresher course '55-Alive' offered by the AARP - it will refresh you skills and give you confidence.
Four Tips for Teenagers
Here are four tips that will help if you are a Teenager:
- Do not drive a high-performance sports car. There is plenty of time for that once you are a fully grown and mature adult.
- Maintain a solid GPA. The insurance companies like to give a discount to top students who are diligent and study hard for good grades; research has shown there is less likely chance of an accident if you have a high GPA.
- Do not modify your car with performance boosters, headers, speed-chips or turbo boosters. The added speed modifications can and will only lead to potential troubles in some cases.
- Take a safety-driving class offered at your high-school or through the local motor-club, you will learn safe driving skills and good habits that will stick with you throughout your life.
Pennsylvania Car Insurance FAQ's
Answers to your most commonly asked question about car-insurance in the State of Pennsylvania. requently-Asked-Questions below, the information you learn could translate into cost-savings!
Question #1: What is the chance I will get into an automobile accident in the State of Pennsylvania?
Speeding nearly triples the chance you will get into an auto-accident. So does driving while fatigued. And aggressive driving will nearly double the odds you will be involved in an auto-accident, as will lack of attention. So, to answer your question, according to the American Academy of Actuaries, the chance of dying in a car accident is 1:88.
Question #2: Why should I get Comprehensive and or Collision Coverage if it is not mandatory and will only cost me money?
Neither Comprehensive Coverage nor Collision Coverage is mandatory. But you need to get these coverages anyway because if you are in an accident and do not have either of these coverages, whether it is your fault or not, you could and most likely will be financial responsibility for a considerably amount of money. The best thing to do is discuss your situation with your insurance company and to get both of these coverages.