Obtaining Pennsylvania car insurance quotes can either be easy or taxing. It all depends on you, the policy holder. Shopping for, or acquiring a car plan, in the Keystone state is easy if you know the basics. However, if you don’t have the know-how then for sure it’s going to be hard especially when there are several insurance companies and freelance brokers vying for you business.
Here are the important basics when it comes to Pennsylvania car insurance quotes, just so you avoid being stressed.
The State of Pennsylvania has several requirements that all motorists should have in their car policy. (1) A motorist should have a minimum requirement of $15,000 per person and $30,000 per accident for Bodily Injury Liability coverage; (2) $5,000 for Property Damage Liability, and (3) $5,000 for Medical Payments coverage.
However, the basic pay that an insurance company or broker can offer for a Pennsylvania car insurance quote is higher. For instance, an insurer will at least cover $100,000 per person and $300,000 per accident for Bodily Injury Liability, and the most common coverage for Property Damage Liability is $50,000, while Medical Payments coverage is similar with the minimum state requirement.
Coverages for Underinsured and Uninsured Motorist Bodily Injury, Collision and Comprehensive have no minimum state requirements. The most common coverage an insurer will offer for Underinsured/Uninsured Motorist Bodily Injury is $100,000 per person and $300,000 per accident, Collision coverage deductible is $500 and Comprehensive coverage deductible is $100.
The Company’s Exclusion Policy
Policy holders in Pennsylvania have the right to include or exclude a member of the household in a policy. It is, however, advisable to submit a list of people in your household to be covered in your policy. It will help you in any way when your vehicle gets entangled in an accident and spare you from any headaches that can be covered by the insurance company.
The State’s Take on Expired Insurance
Pennsylvania can suspend your license if the Department of Transportation catches you driving with an expired or no insurance. The Department of Transportation can suspend your vehicle’s registration for at least three months unless you show proof of renewal or an active insurance that is less than 31 days from the expiry and if the department is sufficiently satisfied with proofs that the vehicle hasn’t been used during the time that it has no insurance. If your vehicle gets suspended, you will be required to surrender your license, the vehicle’s plate and the registration sticker. It will only be reinstated upon submission of proof of insurance.
Getting Sizeable Discounts
Now if you want to avail big discounts, it’s wise to increase your premiums to decrease your deductibles and to also bundle your policies. Furthermore, one should take note that before an insurer will give an insurance quote, you and your vehicle will be checked and assessed for risks. Therefore, keep in mind that insurance companies like responsible drivers and cars that are well equipped with safety and security devices. If you’re a student in Penn State or other universities in “Keystone” with straight A’s, then you can exchange your hard earned A’s for A-ffordable Pennsylvania car insurance quotes.