The state of Pennsylvania is rich in history, with a strong American Revolution presence. Although detailed with this immaculate history, the state is also modern and unique, and offers residents as well as state visitors a plethora of fun and memorable things to do and places to see. When you are a legal driven the state it is so much easier to enjoy all of these great things. Wondering what a legal driver is? A legal driver is someone that has the state required automobile coverage in place. Pennsylvania laws require that drivers in the state have auto insurance in place on all registered vehicles at all times. These laws are in place to protect residents from the costly burden that can be endured after an automobile accident has occurred. Car insurance might be another bill, but it is one that you should gladly pay, knowing the protection is valuable and working to keep you safe and secure. It is illegal to drive an automobile that does not have the state required minimum overage on it, so do not make this mistake.
Pennsylvania Car Insurance Requirements
Pennsylvania is a “no-fault” state, but you still must carry a liability policy that includes the following amounts of coverage to stay in compliance with the laws of the state:
- Bodily Injury: $15,000 for one person/ $30,000 for all injuries
- Property Damage: $5,000
Optional Car Insurance in Pennsylvania
In addition to the state required insurance coverage you have the option to purchase additional insurance to provide you with greater protection against an automobile accident. This optional insurance includes:
- Rental Car reimbursement
- Uninsured/ Underinsured Motorist coverage
- If you would like to know more about these types of insurance or want to add them to your policy, talk to your insurance agent.
Factors affecting Pennsylvania Car Insurance Rates
Each person in Pennsylvania will get a different rate for their car insurance coverage because many factors are used to make a determination of your costs. Because these factors can change, it is in your best interest to take advantage of a yearly (at a minimum) car insurance comparison. Some of the biggest factors affecting your car insurance rates:
- Your Age
- Your Gender
- Marital Status
- Educational Background
- Type of Car being Insured
- Coverage Amount
- Driving Record
- Insurance History
- Deductible Amount
Pennsylvania Car Insurance Discounts
Discounts make it easier to purchase the required car insurance without spending more than you want. Many different discounts make your policy cheaper than you ever imagined possible. Some of the discounts that you might be interested in includes:
- Multi-Car discount
- Multi-Policy discount
- Loyal Customer discount
- Paid in Full discount
- Good Grades discount
- Safety Device discounts
These are just a handful of the many different discounts offered in Pennsylvania. Ask your insurance agent about these discounts and the many others offered so that you can get the lowest possible rates for your policy.
Pennsylvania Car Insurance Quick Facts
Proof of insurance must be kept inside of your vehicle at all times, and presented when requested by any law enforcement officer. This proof is most often an insurance card provided by the insurance company, but several other pieces of documents will also serve as proof. Proof must also be shown after an automobile accident, regardless of who is at fault for the accident.
Should you ignore the state car insurance laws there are penalties for you to pay. This includes a fine of a minimum $300, suspension of your driver’s license and vehicle registration and impoundment of your car. It is never a good idea to drive without the state required car insurance in place. There are just too many risks involved.