Pennsylvania Car Insurance

The costs of owning and maintaining a vehicle make up a large portion of a family’s monthly income, especially for families living in big cities like Pittsburgh and Philadelphia. Fortunately for Pennsylvania motorists, they don’t have to pay high premiums for their car insurance when they search online with CarInsuranceQuotes.com.

CarInsuranceQuotes.com searches reputable online companies to find the lowest possible car insurance quotes for our customers in Pennsylvania and across the country, so they can save money while not jeopardizing their quality of coverage.

Pennsylvania Car Insurance Requirements

To help keep the cost of insurance premiums as low as possible and to lower the frequency of the lawsuits that its motorists file every year, the state of Pennsylvania has enacted a no-fault policy for its residents. Though it is not required by the state, every driver should obtain a minimum amount of Personal Injury Protection to cover their personal medical expenses, lost wages and/or funeral expenses regardless of who was at fault in an accident. There are limitations to the no-fault policy, however, and if the costs from the accident exceed a certain amount, the driver responsible for the accident may be held liable for the expenses.

In the event that the costs of an accident are greater than the limits set forth in the no-fault guidelines, Pennsylvania requires its motorists to maintain a minimum amount of bodily injury liability and property damage liability coverage for their vehicles. To help pay for damages when the insured party is found to be at fault, Pennsylvania drivers must obtain a minimum bodily injury liability policy in the amount of $15,000 for injuries to a single person up to a maximum of $30,000 for multiple persons that may be involved. In addition, property damage liability in the amount of $5000 for repairs to damaged property including buildings, signs and the other vehicle must be maintained also.

Because the limits of the minimum liability coverage may not be sufficient to cover all damages, the state of Pennsylvania strongly recommends that every driver carry a liability policy greater than the required minimums as well as a Comprehensive and Collision policy to pay for any damages to the insured’s vehicle that the other driver’s insurance did not and to cover any damages from wildlife and other acts of nature. It is also strongly recommended that every Pennsylvanian obtain some form of Uninsured/Underinsured Motorist protection in the event that the at-fault party fails to have sufficient coverage or their vehicle is damaged by a hit and run.

Gap coverage is also an option, and may even be a requirement for financed vehicles, in the state of Pennsylvania. In the event of an accident, a person’s insurance company will pay a maximum of the Blue Book Value of the vehicle. This may not be enough to pay off any loans an individual may have. Gap coverage “bridges the gap”; covering the excess cost so the insured person is not left with excess debt.

CarInsuranceQuotes.com is dedicated to finding low cost car insurance quotes for our customers from insurance companies they can feel comfortable with; and getting online quotes has never been easier! After entering a Zip code for their area, our customers will be asked a few general questions about their driving history and then CarInsuranceQuotes.com will do all the research for them; finding multiple quotes that they can choose from so they can make the best decision as to which Pennsylvania car insurance policy is best for their family.

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