Pennsylvania Auto Insurance - Where to Get the Best Rates

Pennsylvania Auto Insurance - Where to Get the Best Rates
by Brian Stevens


Looking for auto insurance in Pennsylvania? Want to know where to get the best rates with the best companies? Here's how ...

Pennsylvania Auto Insurance Requirements

In order to drive your car in Pennsylvania the minimum amount of auto insurance coverage you need is:

1. $15,000 bodily injury liability coverage for one person and $30,000 coverage for two or more people. This pays your legal fees and claims made against you if your car kills or injures one or more persons.

2. $5,000 property damage liability coverage. This pays your legal fees and claims made against you if your car damages someone else's property.

Optional Pennsylvania Auto Insurance

In order to adequately protect yourself if you have an accident you may want to purchase the following coverages in addition to bodily injury and property damage insurance:

* Collision coverage pays for repairs to your car, no matter who was at fault, when you're involved in an accident.

* Comprehensive coverage pays for repairs to you car from damage caused by theft, vandalism, storms, and causes other than an accident.

* Uninsured/underinsured motorist coverage pays for costs due to injuries or property damage to you, your family, or your passengers by an underinsured, uninsured, or hit-and-run driver.

* Personal Injury protection coverage pays your medical expenses and your passenger's medical expenses when you're involved in an accident. It also pays for you and your family's medical costs if you're in an accident in someone else's car or when you're walking.

Getting the Best Rate With the Best Company

To get the best price on anything you need to comparison shop, and the same holds true for auto insurance.

To get a cheap auto insurance rate, go to a website where you can get quotes from a number of auto insurance companies. Get at least three quotes, then compare them and choose the best one.

Some of the better insurance websites have a toll-free number and a chat feature where you can talk with an insurance professional to get answers to any questions you may have (see link below.)

To find out if a company is reliable and will pay your claim, go to A.M. Best's website (ambest.com) to check their financial stability, and Epinions (epinions.com) to get consumer reviews and ratings of the company.

Visit http://www.LowerRateQuotes.com or click on the following link to get pennsylvania auto insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.




About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Pennsylvania auto insurance.