When it comes to shopping for car insurance, there are certain requirements. Pennsylvania car insurance minimums need to be considered as you shop for different quotes. In addition to being required to show proof of insurance at all times while driving, you will be required to have a minimum level of liability coverage on your vehicle as well. These are just the minimums, so you are welcome to go above, or add additional types of insurance to your premium as well.

Driving on the roads of Pennsylvania can be just as dangerous as anywhere else. Being insured protects you through any accidents that may happen. Pennsylvania car insurance minimums are a little higher than in other parts of the country because of the Tort system. States such as Pennsylvania that run under the Tort system are more expensive because someone is always found at fault during the accident. The one found at fault’s insurance company is the one that is responsible for all damages, property, and otherwise. For this reason, the minimum coverage is higher, therefore making the overall premium a little higher than the national average.

Pennsylvania car insurance minimums are 15/30/5. This means that there’s $15,000 bodily injury liability per person, up to $30,000 for the accident, and $5000 for property damage. These are the minimums, which means if you choose to have more, you can certainly do so, but it is not required by the state. If you’ve been involved in an accident in the past where the damages have exceeded this, or you always have multiple people in your car, you may want to consider bumping this coverage higher. There are also other kinds of insurance you can add to your premium, including uninsured motorist and rental insurance. These will benefit you greatly should you be involved in an accident with someone who has no insurance or while driving a rental car.

Once you’ve decided on the coverage that you want, it’s time to shop around. Every insurance company that operates in the state will know the Pennsylvania car insurance minimums, however it’s still important to double-check before agreeing to the coverage. Competition for insurance is tough and they all offer competitive rates. It can be difficult to decide which insurance company is right for you, so it comes down to those extra services and support that each offers that sets them apart from everyone else.

Sometimes accidents happen; that’s why they’re called accidents. Whether it’s because the roads were icy or someone looked in the backseat for a split second, collisions happen every day. Finding the right insurance company and having the Pennsylvania car insurance minimums on your policy will ensure that you don’t meet financial ruin. Not to mention, without proof of insurance, you could face time in jail, penalty fees and car impounding. The monthly expense for car insurance is much better than the alternative. Research the different companies and take out the policy that makes sense for your situation, knowing that you’ll find one that’s got everything you want and more.

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
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