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Pennsylvania Car Insurance

The insurance laws in Pennsylvania are a bit different from other states, in PA you can select full tort coverage and be able to file lawsuits against the at fault driver for additional driver, or to be able to save on your premiums you can choose a limited tort plan.  When getting a car insurance quote you will be able to compare both of these and see which will work best for you.  Insurance is required in the state of PA with penalties varying from fines to suspension to your license and even the vehicle registration.

The difference between full tort and limited tort coverage is more than just the cost.  With full tort you will be able to file a lawsuit to get additional damages that are not available in limited tort, such as pain and suffering.  Limited tort coverage mainly covers medical bills and some out of pocket expenses, but it does result in lower premiums monthly.   Depending on who you are getting your car insurance quote through you may be able to lay out future costs and values to see what is best for you.

All plans must have at least five thousand in medical coverage to pay for medical bills no matter who is at fault.  Liability coverage is also a requirement in PA, at least fifteen thousand per person in bodily injury, up to thirty thousand for the whole accident.  A minimum coverage of five thousand is needed for property damage as well.  Every car insurance quote you get will lay these out and let you increase the amounts and choose varying deductibles to attain the right premium and plan for your situation.

There are several factors that can affect your premium, having too many accidents, tickets, or other violations on your license can cause insurance companies to charge a surcharge on top of the regular amount, this is a fee to them for them taking the 'risk' to insure you even with your record.  Similar to paying a higher interest rate to a bank for having bad credit.  The company is taking a chance by insuring you, as you have proven to be a unsafe driver.  Usually this charge only lasts a few years if you keep your record clean and pay your premium on time.

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Pennsylvania Car Insurance

Although Philadelphia, Pittsburgh, Allentown, Erie, and Reading are the biggest cities in Pennsylvania cheap car insurance rates vary from city to city and rates in Bethlehem may or may not be different than Scranton. Whether you live in Lancaster, Levittown, Harrisburg or some other city in Pennsylvania take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Pennsylvania.


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