Moving to a new state can be very stressful. Obviously, you have the laborious and sometimes tedious task of packing and then unpacking boxes full of personal belongings, furniture, and housewares. You might have to switch your telephone, cable, or satellite provider. You will have to establish a new account for your utilities. If you are moving to Pennsylvania, for instance, you will also need to get a new Pennsylvania car insurance policy. This surprises some people because it is not common knowledge that every state follows different guidelines in terms of car insurance.

For instance, you might currently live in a “no-fault” state. These states hold all parties accountable for accidents. If you get into an accident, you will need to take care of the repairs yourself, or rather, your insurance company will pay for the repairs needed by your vehicle. If you want the other person to pay because they are at fault for the accident, then you will have to pursue a legal battle. When you have a Pennsylvania car insurance policy, though, you can rest assured that whoever is responsible for the accident is the one who will be required to pay for the repairs. This is because Pennsylvania is a Tort state.

While each state requires that you carry a minimum amount of insurance, each state requirement is quite different. The minimum requirements for a Pennsylvania car insurance policy, though, are as follows:

$15,000 / $30,000 limit Bodily Injury Liability
$5,000 limit Property Damage Liability
$5,000 First Party Benefits, such as Personal Injury Protection

When you carry an operator’s permit, or driver’s license, in the state of Pennsylvania, you need to also carry insurance that provides coverage with at least these three guidelines. Not only will this prevent you from getting a ticket, but it will ensure that you have enough coverage just in case you need it.

As you can see, your Pennsylvania car insurance policy requires the basic types of auto insurance. Bodily Injury Liability ensures that you, your passengers, and the passengers of other vehicles will all get the necessary medical attention in the event of an accident. Property Damage Liability ensures that any personal damage, including buildings and personal items inside your car, are compensated for if they are damaged or destroyed in an accident. Finally, Personal Injury Protection ensures that you have extra coverage just in case your personal injuries need extra attention.

Getting a quote for your Pennsylvania car insurance policy doesn’t have to wait until you move to your new residence, though. If you have your new permanent address, you begin looking for competitive prices online as soon as you are ready to make your move. In fact, if you have an existing policy with a company that you like, you can also ask them about changing your policy to one in Pennsylvania. They might be able to offer you better prices since you are a loyal customer. You can also read consumer reports and check with the Better Business Bureau to see what companies are thriving in the area.

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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