We make buying cheap car insurance in Scranton Pennsylvania fast, easy and affordable. Find the right low price auto insurance for your lifestyle and budget in Scranton, PA today.
Cheap Car Insurance In Scranton
Cheap car insurance in Scranton PA is a contract between you and an insurance company that protects you against financial loss if you are in a car accident. Auto policies contain a variety of coverages that can be purchased depending upon your needs and lifestyle.
You agree to pay the premium, and the insurance company agrees to pay for certain expenses defined in your policy declarations. Having the right insurance coverage may prevent you from suffering a large financial loss in the event of an automobile accident.
Scranton PA auto insurance laws ensure that residents have both Medical Benefits coverage and Bodily Injury Liability coverage. Under PA law, this is called maintaining “financial responsibility” on your vehicles. To find cheap car insurance in Scranton, you should understand these rules.
Scranton is the sixth-largest city in Pennsylvania, behind Philadelphia, Pittsburgh, Allentown, Erie and Reading. It is the county seat of Lackawanna County in the state’s northeastern region. With a population of 76,089, it is the largest city in the Scranton–Wilkes-Barre–Hazleton Metropolitan Statistical Area, with a greater population of about 570,000, also known as the Wyoming Valley. The main highways that serve Scranton are I-81, I-84, I-380, I-80, I-476, U.S. Route 11, and U.S. Route 6. Scranton is broken into six major sections: Minooka, West Side, South Side, the Hill Section (a.k.a. East Scranton), North Scranton, and Downtown.
Downtown Scranton is the commercial center of Scranton. Notable sights in downtown include Steamtown National Historic Site, the Electric Trolley Museum, Lackawanna County Courthouse Square, the historic Iron furnaces, the Radisson Station Hotel (which is a converted train station), the Masonic Temple and Cultural Center, and the convention center. Additionally, the Lackawanna River Heritage Trail runs along the Lackawanna River between downtown and West Scranton.
Scranton PA Auto Insurance Requirements
Pennsylvania law requires that all PA drivers carry:
Bodily Injury Liability
If you hurt someone in a car accident, this cheap car insurance in Scranton coverage pays their injuries from medical and rehab expenses and any damages for which you are found liable.
The following PA state minimums apply:
- $15,000 per person, per accident.
- $30,000 total per accident.
- $5,000 in Property Damage (people’s cars etc..) per accident.
If you are involved in a car accident, even if the crash is someone else’s fault, your own insurance pays your medical and wage loss benefits. These are called “no-fault” benefits, and are paid up to the limits of your policy’s coverage. The minimum Medical Benefits coverage you must have in your car insurance policy is $5,000.
Limited or Full Tort
The idea of no-fault insurance is to reduce the number of lawsuits resulting from car accidents. When you purchase your cheap car insurance in Scranton PA, you have two tort options:
- Limited Tort – offers you significant premium savings. You can still recover out-of-pocket medical and some other expenses – but you are not able to recover certain damages – like payments for pain and suffering… unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990.
- Full Tort – gives you unrestricted rights to sue negligent party that hurt you.
Proof of Insurance
Pennsylvania requires you to have proof of insurance with you whenever you are driving. Proof of cheap car insurance in Scranton must be shown during traffic stops and may be requested when you register your car. If you are stopped for a moving violation and it is determined that you are operating your vehicle without insurance, you could face the following penalties and expenses:
- A minimum of $300 fine for driving uninsured
- A three month suspension of your vehicle registration
- A three month suspension of your driver’s license
- Restoration fees to restore your vehicle registration
- Restoration fees to restore your driver’s license
- Vehicle impoundment
In addition, your vehicle may not be driven by anyone while the registration is suspended.
Pennsylvania Optional Auto Insurance Coverage Types
In addition, cheap car insurance in Scranton policies offer additional optional coverages that can protect your income and assets:
Collision – This helps pay for accident-related damage to your car.
Comprehensive – This helps pay for damage to your car that resulted from an incident not involving a car collision (theft, vandalism, etc…).
Uninsured Motorist (UM) — This coverage protects you, your family and your passengers for if you are hit and injured by an at-fault uninsured driver.
Underinsured Motorist (UIM) — This coverage protects you, your family and your passengers if you are hit and hurt by an at-fault driver who does not have enough insurance to cover your claim.
Stacking of UM or UIM — This coverage allows you to multiply the amount of uninsured or underinsured motorist coverage by the number of vehicles on your policy.
Rental Reimbursement coverage — This pays the costs to rent a vehicle if their is a claim for a covered comprehensive or collision loss.
Towing — This coverage pays for towing and labor costs for a covered disabled vehicle.
Extraordinary Medical Benefits — This coverage pays for medical and rehabilitation expenses that exceed $100,000. It provides a maximum of $1 million of coverage.
Accidental Death Benefit — This is a benefit paid to the family or other representative of an insured if the injuries from an accident results in death within 2 years of the accident date.
Funeral Benefit — This coverage pays money for funeral expenses if you or a family member dies as a result of an auto accident.
Income Loss — This coverage pays a portion of your lost wages when your injuries from a car accident keep you from working.
Gap — This pays the difference between an insurance company’s payment for a totaled vehicle and the balance of a vehicle loan because of depreciation.
Finding Cheap Insurance In Scranton Pennsylvania Without Compromising Quality
Drivers must make sure that they are meeting the state minimum requirements for cheap car insurance in Scranton PA coverage and protecting their own interests when binding cheap car insurance in Scranton. This is often best done by custom building policies. Consumers can start with basic plans and then add on different options to enhance these. This is a very effective strategy for getting protections that are specific to individual needs, without paying for unnecessary or unwanted features.
Cheap Car Insurance In Scranton
At EK Insurance, we will make sure you have the legal amounts of Pennsylvania auto insurance to be in compliance with state laws.
We can also recommend other options that offer more protection than the state minimums. We always take into consideration how much your car is worth and recommend insurance that will protect your income and assets if you are found at fault for an accident and sued.
PA drivers should give us a call today at (800) 821-2436, or fill out the form on this page for a free, no obligation Scranton auto insurance quote.