We make buying cheap car insurance in PA fast, easy and affordable. Find the right low price auto insurance for your lifestyle and budget in Pennsylvania today.
Cheap Car Insurance In PA
Shopping for automobile coverage on a limited budget does not negate the need for an optimal amount of protection. This is one of the most important things to keep in mind when purchasing cheap car insurance in PA.
Drivers must meet the basic requirements for auto insurance in this state. They will additionally need to secure policies that are sufficient for protecting their best interests. All Pennsylvania residents must purchase and maintain car insurance in order to operate their vehicles legally. This is referred to under Pennsylvania law as maintaining financial responsibility.
Insurance Requirements In The Commonwealth And The Penalties For Failing To Comply
Drivers can have their automobile registration rights suspended for three months due to any lapse in this coverage. Buying the right cheap car insurance in PA handles this issue.
If this lapse is proven to be less than 31 days and the driver can show that he or she did not operate a vehicle during this time, however, no penalties will occur. Suspension of driver’s license is also likely for those who are determined to have operated their vehicles while uninsured for any amount of time.
The Pennsylvania Department of Transportation or PenDOT and the State of Pennsylvania require drivers to have a minimum amount of coverage for medical benefits, bodily injury liability and property damage liability. Cheap car insurance in PA must have these coverages. Medical benefits will cover basic medical expenses for those involved in accidents, irrespective of who is at fault. $5,000 is the minimum limit for this.
Bodily injury liability will cover medical and rehabilitative treatments for those involved in accidents and has an established minimum limit of $15k/$30k. $30,000 is the total amount that will be paid out for any single claim, while $15,000 is the maximum for any one injured person. Finally, drivers will need to have no less than $5,000 in property damage liability.
Proof Of Insurance
There are only a few acceptable forms of proof of insurance within Pennsylvania. These include a copy of the policy’s declaration page, an insurance ID card with the insured’ name and policy number, signed letters from insurance carriers that are printed on letterhead and an actual insurance binder. Drivers must have one of these articles on hand at all times when operating their vehicles.
Limited And Full Tort Coverage
Drivers have the option of choosing to bind either limited or full tort coverage. When it comes to binding cheap car insurance in PA, limited tort coverage will provide the lowest premiums. Although all out of pocket medical costs can be recovered by the insured when limited tort coverage is bound, there are certain costs that that cannot be recovered.
For instance, compensation that is paid out for pain and suffering is rarely included in a limited tort plan. With full tort plans, drivers will pay higher premiums, but they will also maintain the right to take legal actions against negligent motorists. It is important for drivers to know that Pennsylvania is a no-fault state. This means that insurance carriers will assist with medical bills for drivers and their passengers, regardless of who is determined to be at fault.
Optional Coverage In The State Of Pennsylvania
Auto insurance plans that only fulfill the basic legal requirements for operating a vehicle in Pennsylvania will not provide an optimal amount of protection for the actual policy holder. For this reason, many consumers choose to bind optional coverage for protection against uninsured motorists and under-insured motorists. These options can also include funeral costs, protection from income loss and collision. Collision will pay for damages to the insured’s vehicle. Reimbursements for rental cars and towing services are among some of the other optional features that can be added to a basic or comprehensive cheap car insurance in PA.
While it is not legally required for Pennsylvania drivers to have comprehensive or collision coverage, these options could be necessary for fulfilling the terms of a vehicle lease or financing agreement. Lending companies and dealers make these options necessary in order to protect their best interests. It ensures that they will always have access to vehicles with acceptable values or replacement funds, should cars be totaled out.
Finding Cheap Insurance In Pennsylvania Without Compromising Quality
Drivers must make sure that they are meeting the state minimum requirements for automobile coverage and protecting their own interests when binding cheap car insurance in PA. 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 PA
At Ekinsurance, 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 Penna auto insurance quote.