Car insurance is something that every driver within the Commonwealth of Pennsylvania is required to have. You must show proof of it should you ever be pulled over. If you are unable to show proof of insurance, you will be subject to fines, jail time, and potentially having your car impounded. To avoid all of this, you’ll just need to get car insurance. Getting Pennsylvania car insurance quotes can be easy as long as you know what you’re looking for.

Knowing what goes into your quote will help you know if you’re getting a good deal or not. Many things make up a quote, especially in Pennsylvania, because of the Tort system. The Tort system requires someone to be found at fault for an accident, which means a single insurance company will be responsible for all damages. As a result, car insurance in Pennsylvania is more expensive than states that don’t operate under a Tort system. Your credit history can make an impact on your quote as well as the kind of car you drive. The liability coverage you choose for your vehicle, too, will make a difference on your Pennsylvania car insurance quotes.

The car and the driver will determine the quote you get. The safer the car, the cheaper the quote. If it’s been five star safety rated with lots of safety features, it’s less of a risk than a car with a high rollover rate or a soft top convertible. The driver, too, will be a factor in Pennsylvania car insurance quotes. A teenage or student driver will be higher than an adult. Similarly, an adult with a clean driving record and excellent credit history will get a better rate than their accident prone next-door neighbor.

Pennsylvania requires drivers to maintain a certain level of coverage for insurance purposes. The state requires a 15/30/5 coverage, which translates to $15,000 worth of bodily injury protection per person, up to $30,000 per accident and $5000 in property damage liability. This is just the minimums. A driver can certainly raise these minimums, based upon previous driving history or for general precautions. There are also additional kinds of insurance that isn’t required, but opted into by many drivers. These include rental insurance, uninsured motorist and roadside assistance (which is free with some companies). Pennsylvania car insurance quotes can range greatly with different levels of coverage.

Searching for Pennsylvania car insurance quotes isn’t always about getting the lowest rate. It’s about getting the best coverage as well as the services that are most important to you. Find out what sets an insurance company apart from its competition. Is it their great customer service, their local body shops, online access to claims, or their branch offices? A great rate is only one small part in deciding which company to go with, so it’s important to do the homework and truly find out what’s going on with all the different companies. Having insurance is required, so it might as well be a good one.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
Keywords: pennsylvania car insurance quotes, pa auto insurance rate, pennsylvania auto insurance quote,