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The best way to shop for Pennsylvania auto insurance is to get educated. Smart shopping and knowledge empowerment is needed to make an informed decision. And InsureMe is the avenue that can bring you to this decision.
Below is some information we've provided to help you in the Pennsylvania auto insurance purchasing process.
Pennsylvania is a "No-Fault" state. That means drivers are required to purchase Personal Injury Protection (PIP) in which their Pennsylvania auto insurance company covers injury-related expenses and other related costs as a result of an accident—regardless of who is at fault. This insures that every motorist who needs it receives immediate medical attention.
In most cases, this also limits Pennsylvania drivers from suing or being sued for damages as a result of an accident. However, if you are at fault, you may be subject to a lawsuit collecting damages.
Pennsylvania requires certain state-mandated auto insurance coverages. These include $5,000 in medical benefits; $15,000 per person and $30,000 per accident in bodily injury liability; and $5,000 in property damage liability. To clarify, medical benefits coverage pays medical bills for anyone covered under your policy regardless of fault. Bodily injury pays medical and rehabilitation expenses to anyone for whose injuries you are liable. Property damage liability pays for damages to another person's property caused by an accident in which you are at fault.
It is possible to purchase a single limit of $35,000 which meets both the bodily injury liability and the property damage liability requirements. But only some Pennsylvania auto insurance companies offer this coverage. Talk to your Pennsylvania auto insurance company or agent to find out if this coverage is available.
FAQs about Pennsylvania Auto Insurance
"How can I save money on my Pennsylvania auto insurance premium?"
There are several ways to save money on your auto insurance premium. Consider setting your deductible as high as you can possibly afford. This can cause coverage rates to drop because it means potentially lower insurance payouts. Maintain a good driving record to lower your risk rate. Ask your Pennsylvania auto insurance agent about any available discounts that might lower your auto insurance rate. Finally, comparison shop, checking out as many auto insurance rates as possible before making your final purchase.
"Why do insurance companies charge different rates for different geographical areas?"
Different geographical areas have different rates based on the average losses for each defined area. Premiums are determined based on the average number of accidents and the repair costs for each area.
"Can my Pennsylvania auto insurance company cancel my policy if I don't pay my premium on time?"
Yes, your insurance company can cancel your policy if you do not make your payment by the due date. Premium nonpayment is considered reason for cancellation because Pennsylvania law does not require companies to extend customers a payment grace period.
"How much is my insurance company required to pay me if my car is damaged?"
In the event of an accident, your Pennsylvania auto insurance company is required to pay whatever is necessary to restore your auto to its original, pre-accident condition.
You may request that your insurance company provide you with a list of repair facilities within a reasonable distance. However, you are not obligated to use any particular repair shop.
When shopping for a Pennsylvania auto insurance policy, be sure to:
Contacting your insurance company is always the first avenue to take for further questions or problems concerning your Pennsylvania auto insurance. However, for those issues which cannot be resolved in this manner, contact the Pennsylvania Department of Insurance at 877-881-6388, or log on to www.insurance.state.pa.us.
Thank you for visiting our Pennsylvania auto insurance quotes and information page. We hope the information provided here makes your final auto insurance purchasing decision as effortless as possible.
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