Are You Searching for Car Insurance in Pennsylvania? Look No Further! Our auto insurance calculator will allow you to easily compare quotes from multiple insurers to get the best coverage and rate possible for your situation.
Your driving record plays a huge role in determining car insurance costs, with tickets and citations adding up quickly – even minor violations like speeding tickets increasing your premiums by 12 percent or more. But you can protect yourself from these high costs by maintaining an impeccable driving record.
Early licensing and insurance acquisition can help build a solid driving history and keep costs at a minimum. A safe driver discount could save money; many insurers also offer savings for paying upfront or setting up automatic payments.
Your vehicle type can also have an effect on car insurance costs. Some models, like luxury and sports cars, can be more costly to cover while cheaper ones such as pickup trucks and vans may cost less to insure. Furthermore, consider adding uninsured/underinsured motorist coverage.
Decide whether you are comfortable with a higher deductible. While $500 is often the minimum required by state law, a lower deductible could prove less costly and provide more protection at less expense. Opting for an insurance policy which offers both minimum liability coverage as well as full coverage might provide even better value.
Your credit score plays an essential role in determining your insurance costs. A higher score increases the chances of receiving lower insurance premiums; conversely, having poor credit can result in rates up to 2.3x higher than having excellent one.
Your driving history also plays a vital role in determining auto insurance rates. A clean driving history can help secure a lower premium; any infraction on it could increase rates by 83% or more in Pennsylvania!
Taken an approved defensive driving course can save money on auto insurance premiums. Not all insurers offer this discount, so do some shopping around to find the best price.
If your household includes young drivers, be sure to investigate insurance providers who specialize in insuring teenage drivers. These companies offer competitive coverage options at an affordable cost while boasting superior customer service.
Popular teen insurance providers include GEICO, SafeAuto and Liberty Mutual; each offers competitively priced policies suitable for teenagers and their parents alike.
Bundling home and auto policies with one provider is often the best way to save on insurance premiums, providing the lowest possible rate on both policies.
Pennsylvania law mandates minimum liability limits of $15,000 per person and $30,000 per accident; additional limits of coverage may also be necessary if leasing or financing your vehicle. To help save money when purchasing insurance policies that comply with Pennsylvania requirements for bodily injury and property damage liability. Pennsylvania requires that minimum coverage be maintained. The law stipulates minimum limits of liability coverage of $15,000 per person and $30,000 per accident for bodily injury liability coverage and additional limits may be necessary depending on leasing/financing agreements for vehicle purchases.