Finding and buying affordable Pennsylvania car insurance does not have to be a chore. With Carinsuranceinpennsylvania.org, we can help you find the rates for insurance that fits your needs and still meets the minimum Pennsylvania requirements by law, as detailed below. Having some basic knowledge of what is required coupled with our quote widget below can have you comparing cheap car insurance in Pennsylvania rates in a matter of minutes. Once you have your vehicle covered, you can be driving with one less worry and more time to concentrate on other matters.
Pennsylvania Auto Insurance Laws and Requirements
Minimum requirements for auto insurance coverage vary from state to state. Pennsylvania is what is called a no-fault state, meaning that drivers are required to carry Personal Injury Protection (PIP) insurance on all vehicles. Uninsured/underinsured motorist (UM/UIM) coverage is not required, but is an option. Liability coverage is required. Minimum amounts of each type of coverage are outlined below:
|Property Damage Liability||5000||50000|
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Personal Injury Protection||5000||5000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Medical Payments||Not required||Not Required|
|Comprehensive||Not required||100 deductible|
|Collision||Not required||500 deductible|
In addition to insurance laws, there are other laws of the road that you will want to keep in mind while driving. One of those laws involves the various speed limits within Pennsylvania. Speed limits keep traffic moving at a steady but safe pace for all drivers on the road. Pennsylvania has the following speed limit laws in place:
|Rural Interstate||65 mph|
|Urban Interstate||55 mph|
|Other Limited-Access||65 mph|
|Other Roads||55 mph|
Find More Information on Cheap Auto Insurance in PA
It is always a good idea to be as well-informed as you can be while driving on Pennsylvania roads. For further information on obtaining a drivers license, state ID, or vehicle registration, check out the following websites.
- Pennsylvania’s Department of Motor Vehicles: http://www.dmv.state.pa.us/
- State Department of Insurance: www.insurance.pa.gov/
- Official State of Pennsylvania website: www.state.pa.us/
Finding the Lowest Pennsylvania Auto Insurance
There are many ways to find discounts on car insurance in Pennsylvania. For example, safety features such as anti-theft devices and side-impact airbags that come standard on some newer vehicles can earn you discounts on your coverage rates. Shorter commutes to work or commutes during non-peak hours may also be incentives for discounted rates, as can good grades for any teenage drivers in the household. Be sure to discuss these possibilities with your insurance agent before you finalize your purchase.
You can not legally avoid purchasing the appropriate vehicle coverage in Pennsylvania, but you can make the most of any discount opportunities and rate comparisons. By taking a few seconds to provide some basic details in the quote widget provided below, you can be comparing rates and making informed decisions within minutes.
You can start saving money on car insurance today. Give us your information now for the peace of mind that comes with knowing you got the best deal possible on your vehicle coverage.Pennsylvania Wikipedia
Pennsylvania Motor Vehicle Division
Pennsylvania Insurance Department