Accidents happen. You can never really tell when it can strike and we all know that it always is best to be safe rather than sorry. If you have just bought a new car or if you plan on moving and driving in Philadelphia in the coming weeks, then now is the time t scout, shop and study PA car insurance quotes. There are hundreds of car insurance companies in Pennsylvania who would be willing to give you a quote of how much insurance you will need to pay according to Pennsylvania laws and depending on the type of car that you drive, your driving record, car usage and mileage and the neighborhoods where you will often be visiting with your car.

Pennsylvania state law has a minimum requirement of 15/30/5 for car insurance. This means that when you ask for PA insurance quotes expect to be given one that will at least include coverage of at least $15,000 for minimum bodily injury liabilities for every injured person in an accident. The insurance should cover at least two persons in the accident amounting to $30,000 in every accident. Property liability limits in the state of Pennsylvania is pegged at $5,000, thus the 15/30/5 minimum coverage requirement for all drivers.

Aside from what is required by the state, you can actually opt to pay more, especially if you are driving a very expensive car! It is often suggested that if you cannot pay for a replacement for your car in the event that it is stolen or if it is involved in a terrible road mishap then it is always best to get full coverage for your car. This will make it easy for you to get a new car. Even the safest of drivers will need full coverage especially if you frequent areas where there is a high crime rate. Full coverage will cover vandalism and thievery.

Of course when you shop around for PA insurance quotes, don’t forget to ask for available promotions and discounts. Many car insurance companies in Pennsylvania will give you discounts if you are getting coverage for several vehicles in your family or if you have a really impeccable driving record. It is also best to inform your chosen car insurance company if you have protection devices and safety features installed in your vehicle. Let them know if you have car alarms and tracking devices in the event that your vehicle gets stolen. Emergency brakes and airbags will also help bring your insurance payments down so make sure that you let your car insurance company know about all these.

Remember that wherever you may be in the United States, driving without insurance is illegal and you can face criminal charges should you be caught driving without insurance. While a good number of American families may be facing financially difficult times, scrimping on insurance isn’t really a great idea. Pennsylvania drivers who would like to save some pennies on their insurance payments may consider shifting insurance companies and it should be a good idea to get several PA insurance quotes to get good rates.

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