Cheap Pennsylvania Auto Insurance

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 vehicles are insured.

Otherwise, It appears to be sticking to the middle with neither high nor premiums and living costs. So, if your premium appears to be too high 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 your 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 a policy and switch carriers.

Minimum Requirements

Cheap Pennsylvania Auto InsuranceThe minimum liability car 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 insured drivers and family members.

You have the option of Limited or Full Tort Coverage in Pennsylvania. Limited tort coverage offers you savings on your premiums. 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 coverage selection, you retain unrestricted rights to bring suit against the negligent party.

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 your choices. 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.

How Much Does Auto Insurance Cost in Pennsylvania?

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

Auto Insurance Philadelphia

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

Also, some parts of cities can be nightmare zone 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. Follow previous two links to read our extensive tips.

Pennsylvania Auto Insurance Quotes

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

Quotes are pretty uniform across all cities and towns except Philadelphia where rates are twice higher. If you are not a high risk driver with several traffic tickets or recent accidents you should get cheap enough premium outside Philadelphia.

Lowest Priced Insurers in Pennsylvania

Interestingly you cannot see top 10 companies in the US within the top 10 cheapest insurers in PA. So, if you want to be insured by one of the largest insurers in the country you probably need to forget about cheap rates here. But if you are rooting for local and regional insurers you have plenty 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 the difference between cheapest and most expensive quotes in PA can be as much as four times. This is in a way good news since it suggests that there are wide ranging insurers in the state. But also it stresses that motorists shouldn’t buy automobile insurance policies without shopping around properly.

Of course it is important to find the right coverage and a company with great customer service. There are great companies in the market today and they can offer you good coverage at affordable prices. The relation between the price and quality of the coverage is not really clear cut. Paying tons of money for a policy doesn’t make sure that you are properly covered. The only way you can be sure is by paying attention to what you are buying.

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