Low PA Auto Insurance Rates
Motorists of Pennsylvania are always looking for the best rates offered by a local auto insurance provider. While they could all spend hours pouring through the phone book over company names and then contacting each company one by one, there is a much easier way via the Internet. It would be faster to look at the insurer’s website and go through that portal to get information about the company’s rates. But the best option is to use Online Auto Insurance’s ability to provide drivers with quotes from local insurers. It will only take a few minutes and it is 100% free with no obligation to purchase anything.
Get Your Quotes
Pennsylvania residents can get their quotes by locating the white box found at the top of almost every single page ofOnlineAutoInsurance.com. When the zip code is entered in, a new page will open and it will have a few questions regarding the driver, the vehicle, and the coverage the driver wants to purchase. Each topic will be on its own separate page that will open when the previous page is completed. Driver information includes their name, address, age, phone number and driving history. Vehicle information includes the year, make, model, VIN, mileage and where it is driven. The coverage information needed is what type and how much additional coverage and options would be wanted on the policy in addition to the state minimum requirements. All of these things are taken into consideration by the insurer when determining the premium charge.
The one bit of information that is not needed during the quote process is the person’s driver’s license number or social security number. As long as the applicant is providing honest information, we can provide accurate quotes. These numbers will only be needed if the person chooses to purchase a policy from the list of quotes given because they verify the applicant’s identity.
When all of the information has been submitted, the person will then be granted access to a list of quotes that are in a side by side format. They can take their time deciding which policy and company they would like to go with. (We have tutorials available on our site that can help drivers choose their insurer if they’re not sure who to pick.) Once they have chosen a provider and policy, they can purchase it right there with a credit card and instantly have car insurance.
PA State Requirements
In the state of Pennsylvania, drivers must carry a minimum amount of 15/30/5, or $15,000 for bodily injury liability per person, and $30,000 per accident, as well as $5,000 in property damage liability. It is also required to carry $5,000 in medical payment coverage. Bodily injury liability will cover the medical bills of the other driver if the policyholder (or members) causes the accident. The insurer will pay up to $15,000 for one person’s injuries but only a total of $30,000 for the injuries of the driver and passengers combined. Property damage liability is where the insurer will pay up to $5,000 to repair any type of property not owned by the policyholder which he/she damaged. This can include a vehicle, a building, fence, or other type of structure. These minimum amounts are much smaller than what is recommended by experts to carry, which is a 100/300/100 amount in these coverages.
Medical payment is a coverage that applies towards the policyholder and members; when they are in an accident, even if it’s caused by them, their medical expenses will be paid by the insurer up to the amount purchased. It can be used with the policyholder’s health insurance if they have any.
The above mentioned state required coverage types are not the only types that can be purchased. Purchasing additional insurance types can provide better coverage for the policyholder and their vehicle. Full coverage is always optimal, but usually coverage is decided on by what the policyholder can afford. Some of the additional coverage options are listed below and should be taken into consideration when putting together a PA car insurance policy.
Uninsured/Underinsured motorist: Not every driver complies with the state law to carry auto insurance. If the policyholder is involved in an accident with a driver who doesn’t have adequate insurance and the crash was their fault, the policyholder’s insurer will cover the damages done to the policyholder’s vehicle and medical bills, according to which type of this insurance is purchased.
Comprehension and Collision: These two coverage types usually go together because one will cover damage done to the vehicle no matter who caused it and the other will cover damage done no matter what caused it. These come in handy when the policyholder has hit an animal or when weather issues or vandalism has damaged the car.
Personal Injury Protection: This type is like medical payment coverage, but it goes further in its coverage. It will not only pay for medical bills of the policyholder, but any passengers in the vehicle during the accident as well. It covers the policyholder if they are a pedestrian struck by a vehicle, and it also will help pay lost wages while recovering from accident related injuries.
How to Save on PA Insurance
The best way to save on Pennsylvania insurance is by comparing rates between local companies and then using any discounts that the policyholder may qualify for. Using our quote comparison tool will help with comparing the local rates. To find discounts, ask the provider what they offer. There are discounts for good drivers, for students who earn a certain grade point average (usually a B+ or higher), senior citizens, and discounts for attending and passing defensive driving or other courses offered by the insurer. It is possible to save on insurance as long as a little effort is put into it.
Pennsylvania auto insurance is easy to get with the help of OnlineAutoInsurance.com.