If you are a resident of Pennsylvania, getting car insurance is a necessity. Not only does it protect you from expensive damages and liabilities, but it is also a legal requirement. However, finding affordable car insurance can be a daunting task. In this article, we will discuss everything you need to know about PA cheap car insurance.
What is car insurance?
Car insurance is a policy that protects you financially in case of an accident or theft. It covers the cost of damages to your vehicle or other vehicles, injuries to yourself or others, and liability costs. The amount of coverage and cost of the policy varies depending on your driving history, age, and the type of car you own.
Types of car insurance in Pennsylvania
In Pennsylvania, there are several types of car insurance coverage:
Type of Coverage |
Description |
Bodily Injury Liability |
Covers medical expenses and lost wages if you cause an accident that injures someone else. |
Property Damage Liability |
Covers damages to someone else’s property if you cause an accident. |
Personal Injury Protection |
Covers medical expenses, lost wages, and other expenses if you or your passengers are injured in an accident, regardless of who caused it. |
Collision Coverage |
Covers damages to your vehicle if you collide with another object, such as a car or a tree. |
Comprehensive Coverage |
Covers damages to your vehicle caused by non-collision incidents, such as theft or natural disasters. |
Uninsured/Underinsured Motorist Coverage |
Covers damages and medical expenses if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. |
What factors affect car insurance rates in Pennsylvania?
The cost of car insurance in Pennsylvania depends on several factors, including:
Driving history
Car insurance companies look at your driving history to determine how risky you are to insure. If you have a history of accidents or traffic violations, you may be considered a high-risk driver and may have to pay more for insurance.
Age
Young drivers under the age of 25 are considered high-risk and may have to pay higher premiums. Older drivers over the age of 65 may also have to pay more.
Type of car
The type of car you drive can also affect your insurance rates. Sports cars and luxury vehicles are more expensive to insure because they are more expensive to repair or replace.
Location
The location where you live can also affect your insurance rates. If you live in a high-crime area or an area with a lot of traffic, you may have to pay more for insurance.
Credit score
Some car insurance companies also look at your credit score to determine your rates. If you have a low credit score, you may have to pay more for insurance.
How to find affordable car insurance in Pennsylvania
Here are some tips for finding affordable car insurance in Pennsylvania:
Shop around
Get quotes from multiple car insurance companies to compare rates and coverage options.
Ask about discounts
Many car insurance companies offer discounts for things like safe driving, bundling multiple policies, and having a good credit score. Ask about discounts that may be available to you.
Choose a higher deductible
A higher deductible means you will have to pay more out of pocket if you are in an accident, but it also means you will have lower monthly premiums.
Consider usage-based insurance
Some car insurance companies offer usage-based insurance, which allows you to pay based on how much you drive. If you don’t drive very often, this could be a good way to save money on car insurance.
Frequently asked questions about PA cheap car insurance
What is the minimum car insurance coverage required in Pennsylvania?
In Pennsylvania, you are required to have at least $15,000 per person and $30,000 per accident in bodily injury liability coverage, and $5,000 in property damage liability coverage.
What is the average cost of car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $1,522 per year for full coverage and $492 per year for minimum coverage.
Can I get car insurance with a suspended license in Pennsylvania?
If your license is suspended, you may still be able to get car insurance in Pennsylvania. However, your rates may be higher because you are considered a high-risk driver.
What should I do if I can’t afford car insurance in Pennsylvania?
If you can’t afford car insurance in Pennsylvania, you may be eligible for the state’s auto insurance assistance program, which provides low-cost insurance to eligible drivers. You can also consider reducing your coverage or increasing your deductible to lower your premiums.
What happens if I drive without car insurance in Pennsylvania?
If you are caught driving without car insurance in Pennsylvania, you may face fines, license suspension, and even jail time. You may also be held personally responsible for any damages or injuries you cause in an accident.
Conclusion
Getting car insurance in Pennsylvania is a necessity, but it doesn’t have to be expensive. By shopping around, asking about discounts, and choosing the right coverage options, you can find affordable car insurance that meets your needs and budget.
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