Auto Insurance in PA: Everything You Need to Know

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If you own a car in Pennsylvania, auto insurance is a must-have. Not only is it a legal requirement, but it also protects you financially in case of an accident. But with so many insurance options available, it can be overwhelming to choose the right one. In this article, we’ll go over everything you need to know about auto insurance in PA.

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Types of coverage

Auto insurance policies in PA offer several types of coverage, each with its own benefits:

Liability coverage

Liability coverage is the most basic type of auto insurance and is required by law in PA. It covers damages to other people’s property or injuries they sustain in an accident that’s your fault. The minimum liability coverage in PA is 15/30/5, which means:

15
30
5
$15,000
$30,000
$5,000
per person injured
per accident
property damage

However, it’s recommended to get higher liability limits, especially if you have assets to protect.

Collision coverage

Collision coverage pays for damages to your car in case of an accident, regardless of who’s at fault. It’s optional, but it’s recommended if your car is relatively new or valuable.

Comprehensive coverage

Comprehensive coverage covers damages to your car that aren’t caused by an accident, such as theft, vandalism, or natural disasters. It’s also optional, but it can provide peace of mind if you live in an area with high crime or weather risks.

Factors that affect your premium

Your auto insurance premium in PA depends on several factors, including:

Your driving record

If you have a clean driving record with no accidents or tickets, you’re likely to pay less for insurance. On the other hand, if you have a history of accidents or violations, your premium will be higher.

Your age and gender

Younger drivers and male drivers are statistically more likely to get into accidents, so they typically pay more for insurance. However, if you’re over 25 and have a good driving record, your premium will likely decrease.

Your car make and model

Cars that are more expensive to repair or replace, or that have a higher risk of theft, will result in a higher premium. You can check the Insurance Institute for Highway Safety (IIHS) ratings for your car to see how it affects your premium.

Your location

If you live in an area with a high number of accidents or thefts, your premium will be higher. You can also check the National Association of Insurance Commissioners (NAIC) website for the average premiums in your zip code.

Frequently asked questions

Do I need uninsured/underinsured motorist coverage in PA?

Uninsured/underinsured motorist coverage is not required in PA, but it can be helpful in case you’re in an accident with someone who doesn’t have insurance or doesn’t have enough to cover your damages. It’s recommended to get at least the same limits as your liability coverage.

Can I get discounts on my auto insurance in PA?

Yes, many insurance companies offer discounts for various reasons, such as:

  • Good driving record
  • Multiple policy bundling (e.g. auto and home insurance)
  • Good student grades
  • Safety features on your car (e.g. anti-lock brakes, airbags)
  • Low mileage

Make sure to ask your insurance provider about any available discounts.

What happens if I don’t have auto insurance in PA?

Driving without insurance in PA can result in fines, license suspension, and even jail time. If you’re in an accident without insurance, you’ll be responsible for paying for the damages out of pocket, which can be financially devastating.

How do I choose the right auto insurance policy in PA?

The right auto insurance policy for you depends on your personal needs and budget. It’s recommended to shop around and compare quotes from multiple providers, and to make sure you understand the coverage options and limits. You can also consult with an insurance agent or broker for advice.

Conclusion

Auto insurance is a crucial aspect of car ownership in PA, and it’s important to choose the right coverage for your needs. By understanding the types of coverage, the factors that affect your premium, and the frequently asked questions, you can make an informed decision and protect yourself financially in case of an accident.

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