Pennsylvania Auto Insurance

It is fairly well populated in a comparably smaller landscape that concentrates traffic movements. Numbers of Uninsured Drivers are at 7% in Pennsylvania, which is about half the national average. This is certainly something to be happy about if you are a vehicle owner or ordinary citizen in this state. You are likely to be paid for your injuries and damages due to a traffic accident as most motorists purchase at least liability coverage.

Otherwise, It appears to be sticking to the middle with neither high nor low premiums and living costs. So, if yours appears to be too expensive it may be because you haven’t found the best car insurance policy for your circumstances yet. You will have a chance to rectify it at the next renewal by having a good look at alternative providers. If you cannot wait you can start the ball rolling since it is not difficult to cancel and switch.

Minimum Requirements

Pennsylvania PicturesThe minimum liability vehicle insurance coverage required in PA is as follows;

  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $25,000 for property damage.

Also required;

  • $5,000 for medical benefits for injuries to policyholders and family members.

You have the option of Limited or Full Tort Coverage in Pennsylvania. Limited tort offers premium savings. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages – such as payments for pain and suffering – unless in exceptional conditions. With full tort selection, you retain unrestricted rights to bring suit against the negligent party but spend more at the start.

So, you need to pay attention to what type of a policy you choose here. You have a decision to make when you are given a few options. The state allows you to choose not only what you can insure but also what you could claim from third parties.

If you like to ask more questions you can talk to an agent. Alternatively you can check online for answers or talk to a representative of a particular company about the options. More and more motorists are happy to tackle arranging their own coverage. This is a more manageable task than many people may think thanks to various online information sources and availability of online quotes.

Auto Insurance Costs in Pennsylvania

You should have a quick look at average premium expenditure in your zip code and see where yours sit at. The median costs in the Keystone State are perfectly aligned with the US average at $841. This figure is for median expenditure that is derived from dividing the total premium spent by total number of vehicles. If you want to buy full coverage vehicle insurance you should be expecting to pay around $1,305 per annum which is again not far from the country average. If you are paying a lot more than this figure it is probably time to have a good look at it and get a few quotes online to check quickly if you can save some money.

Philadelphia Automobile Insurance

It is worth mentioning that the largest city in this state is probably pushing up average costs. Rates are twice higher here when you break down the estimates by cities. This is hardly a surprising result considering Philadelphia is one of the biggest metropolitans in the US and five times more populated than the next big city in PA. Generally, city premiums are much more expensive, especially if it is a huge one.

Also, some parts of cities can be nightmare zones with much higher rates that it is in your best interest to avoid such areas. You can still get cheap rates in the City of Brotherly Love if you know how to save money.

Many people believe all the scare tactics that suggest cheap policies must be inferior. This is definitely not true and you can find economical car insurance quotes with a little effort. Don’t let anyone tell you otherwise. There are so many ways of checking prices from the Internet to local brokers that it is almost a crime to buy without shopping around for the best prices. We can even get you started by listing the cheapest companies for you below.

Premiums are pretty uniform across all cities and towns except Philadelphia, where motorists need to spend twice more. If you are not a high risk driver with several traffic tickets or recent accidents you should get affordable enough policies outside Philly.

Lowest Priced Insurers in Pennsylvania

Interestingly you cannot see top 10 companies in the US within the top 10 cheapest here. They are usually good at competing and preparing affordable packages that it is surprising not even one of them make the cut. So, if you want the largest ones you probably need to forget about low rates. But if you are rooting for local and regional names you have plenty of alternatives to choose from. Here are the top 3 cheapest car insurance companies in PA.

  1. Erie, $316
  2. Harleysvill, $346
  3. Atlantic States, $362

You should know that you can spend four times more if you end up with one of the expensive carriers, rather than finding the best value. This is in a way good news since it suggests that there are plenty of alternatives in the market. But also it stresses that motorists shouldn’t buy policies without shopping around properly. Otherwise, spending a small fortune is a very real possibility; especially if you are young, have a bad record, poor credit score or high-risk automobile.

There are great companies in the market today and they can offer you good coverage at affordable prices. Of course it is important to find the right protection and decent customer service. The relation between price and product quality is not really clear-cut. Paying tons of money for a policy doesn’t ensure its effectiveness. The only way you can be sure is by paying attention to details as to what it includes, who underwrites, how good they are in paying claims and is it really worth the money.