Average Cost of Car Insurance

Average Car Insurance Cost

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Average Cost of Car Insurance in Pennsylvania

If you live in Pennsylvania and you need auto insurance you are in luck, because Pennsylvania has some of the lowest insurance requirements for drivers in the whole country. One thing to remember, though, is just because you don’t need a lot of insurance it doesn’t mean that you shouldn’t have it. After all, if you have a newer-model vehicle, you will want to have full coverage in case anything happens to it. If you have an older-model car, certain types of insurance may be an unnecessary expense. This is something that you will need to think about before buying your auto insurance policy.

You Are Responsible

Average Cost of Car Insurance in Pennsylvania

If you are driving and you have an accident where you are at fault, it is you who is responsible for all of the expenses incurred by both yourself and anyone else who is involved in the accident. This is why you should not only have liability coverage, but also comprehensive and collision coverage. Otherwise, medical and repair bills can add up fast, and if there are a lot of expenses you could end up having a lot of debt that you wouldn’t have had if you bought more insurance coverage. These types of coverage are not mandatory in the State of Pennsylvania, but it is a good idea to have them anyway.

Your Minimum Insurance Requirements

When you live in Pennsylvania and you drive a vehicle, you must carry a minimum of $5,000 in property damage liability insurance. You also need to have bodily injury coverage of at least $15,000 per person in the accident (with a limit of $30,000 per accident). Insurance companies in Pennsylvania must provide medical payment coverage of at least $5,000, and some insurers will offer an umbrella policy with an overall limit of $35,000. You are not able to go without insurance and simply pay an uninsured motorist fee.

This is one of the only states in the US that has an assigned risk plan. This will give you coverage even if you are unable to get insurance on your own. You must take on an approved insurance plan and the rates are usually pretty high. This is an option if you have driving infractions, including DUI.

How to Save Money on Your Auto Insurance

There are many ways that you can save money on the auto insurance you are required to have by law in the state of Pennsylvania, as well as additional coverage. For instance, if you have a squeaky-clean driving record, most insurance companies will offer you a safe driver discount. For each year that you maintain that clean driving record, you will receive additional discounts. Other ways to save money on your auto insurance besides safe driver discounts include:

  • Multi-Policy Discounts – You can save money by combining your auto, home and life insurance policies into one bundled policy.
  • Multi-Vehicle Discounts – If you own multiple vehicles, you can put them all onto the same insurance policy to get lower rates.
  • Driver Education Discounts – Your local Department of Motor Vehicles can inform you about how to take advantage of these programs, which make you less of an insurance risk and therefore eligible for insurance discounts.
  • Association Discounts – If you belong to AAA or other associations and groups, you may be eligible to save money on your auto insurance.
  • Military Discounts – Past and present members of the military can get discounts and save money on their insurance rates, often as much as 15%.
  • Low Mileage Discounts – Using your vehicle as a grocery-getter and finding other modes of transportation to and from work can entitle you to insurance discounts.
  • Safety Feature Discounts – Purchasing a newer-model vehicle with the latest safety features is a great way to save money on your auto insurance coverage.
  • Home Owner Discounts – By owning your own home you show that you are responsible and may therefore be eligible for insurance discounts.
  • Young Driver Discounts – Having any teenagers on your insurance policies maintain a clean driving record and a certain grade point average will help you to save money on insurance.

Getting Insurance Quotes

It is important that you take your time when it comes to choosing the right auto insurance policy. You really do need to get as many quotes as you can. This is the best way to compare insurance companies and see which ones offer the best insurance products at the best rates. You can easily get a number of quotes online without having to call or visit individual insurance companies. This is a great way to remain anonymous so you don’t end up having a lot of insurance representatives calling you all the time trying to get your business. Shop around, compare quotes, and make your decision based on the facts, and you will get the best rates for your auto insurance.