Basics of Buying Pa Auto Insurance
Basics of Buying Pa Auto Insurance
Basics of Buying Pa Auto InsuranceAll owners of motor vehicles in Pennsylvania are required to buy and maintain Pa. auto insurance. Among the types of coverage you are required to take out under state law are liability coverage and First Party Benefits insurance. Liability insurance protects you if you are involved in an accident where you are found to be at fault and a claim is made against you. There are two types of liability coverage: bodily injury, which pays for medical expenses, and property damage, which covers the cost of repairing any property that was damaged during an accident. The minimum amount of liability coverage Pennsylvania law requires is $15,000 per person up to $30,000 per incident. You are also required to take out a minimum of $5,000 in property damage liability coverage. These amounts are also valid for Pennsylvania motorcycle insurance.
First Party (also known as Personal Injury Protection) insurance will pay your medical bills if you are involved in an accident whichever party is at fault. Taking out PIP insurance should not affect your Pennsylvania auto insurance rate in any way, since you are entitled to this coverage. There are also optional types of coverage that you can get a Pennsylvania car insurance quote for, such as comprehensive and collision insurance, depending on your particular needs.
Collision insurance covers any damage to your vehicle resulting from an accident. It is purchased with a deductable, meaning that you will pay for any expenses up to this amount, after which the insurance provider will start footing the bills up to the annual limit. Opt for a higher deductible if you want a lower Pa. auto insurance rate as long as you can afford to cover it.
Comprehensive coverage covers expenses related to the theft of your car or damage to it for reasons other than an accident. Just as in collision insurance, if you go for a higher deductible, you will get a lower Pa. auto insurance quote.
You can also get uninsured and under-insured motorist coverage. Uninsured motorist insurance protects you in case you are hurt or your car is damaged by a driver or vehicle that in not covered by insurance. Under-insured motorist insurance protects you if the other driver only has the minimum amount of coverage that is not enough to cover your medical expenses.
If you are looking for affordable Pennsylvania auto insurance quotes make sure to get quotes from at least three providers so you can comparison shop, or you can visit the sites of online insurance brokers that allow you to get multiple quotes from one place. You can also download a rate comparison chart from the Pennsylvania Insurance Department which lists the top 20 insurance providers in each county based on premium volume.
There are also ways you can get savings on rates by availing of discounts offered by the insurance companies. These include discounts for maintaining a safe driving record, installing safety and anti-theft devices in your car, taking approved defensive driving and safety classes and maintaining good grades if you are a teenage driver. You can also save money if you opt for limited tort coverage, meaning that you limit your rights to sue for damages related to pain and suffering although you are still allowed to sue for medical expenses that you have paid for out-of-pocket; full tort coverage will give you unimpeded rights to sue but will cost you between 12% and 20% more in monthly premiums.
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