When it comes to getting a policy at the best price drivers in Pennsylvania need to balance State requirements with finding the right coverage for their situation.
In other words, you don’t have to cut your policy down to the legal minimums (under PA law this is called maintaining “financial responsibility”) just to save a buck or two.
So how can you get the policy you need without breaking the bank?
Getting the right auto policy
There’s a bit more to getting auto coverage than 15 minutes (or 7 1/2 minutes) because every driver’s situation is unique.
- do you have a long commute to work each day?
- have a teen driver at home that needs coverage?
- own your own business and use your vehicle to visit customers or clients?
Any one of these (or all three together) would impact your overall financial liability. So having the right coverage for the right price comes down to reviewing, and addressing, four (4) key factors (coverage limits courtesy of the PA Department of Insurance):
Bodily Injury Liability – If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.
Property Damage Liability – If you damage someone’s property, like their vehicle, in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage.
Medical Benefits – This pays medical bills for you and others who are covered by your policy, regardless of fault -hence PA is a no-fault state. The minimum limit is $5,000 of coverage. Higher limits are available if you so choose.
Limited Tort or Full Tort – You can pick full or limited tort coverage in an auto insurance in Pennsylvania policy. Limited tort coverage offers you a savings on your premiums.
Get an Auto Insurance Quote Today
Save time and aggravation with a free, customized quote today. It only takes a couple of minutes so why not enjoy peace of mind by getting the coverage you need.
Get your FREE, no-obligation PA car insurance quotes today.