Cheap Car Insurance Quotes PA

Cheap Car Insurance Quotes PA

Pennsylvania Deals: Finding Affordable Car Insurance Quotes:

In Pennsylvania, drivers usually pay around $556 for basic coverage and $2,953 for more comprehensive coverage, which includes collision and comprehensive insurance. These prices are similar to the national averages, which are about $741 for basic coverage and $2,545 for more comprehensive coverage. If you live in Pennsylvania, you may be searching for the cheapest car insurance options. This article has done the hard work to find the companies that offer the most affordable rates.

Car insurance companies consider various factors to determined rates for each driver. Since rates or quotes can differ significantly between insurers, it is therefore wise to compare quotes to find a good deal that is best for you. Things like your driving history, type of vehicle you are currently driving, your previous claims an d other factors are all taken into account when setting rates and quotes.

Finding an affordable car insurance in PA should not take to much of time. With around nine million licensed drivers in the state looking to save money on their insurance, in this article has been provided quotes for some of the best insurance companies in PA to help you find a good.

Which Are some Of The Best Insurance Companies In PA

The following are the best insurance companies that are found in PA:

• Travelers
• Geico
• USAA
• State Farm
• American National P&C
• Nationwide
• Amica
• Auto-Owners
• Progressive

Read: Cheap Car Insurance Quotes In Florida

What Is The Minimum Car Insurance Coverage In Pennsylvania

Pennsylvania, like many other states, has specific minimum coverage requirements that your insurance policy must meet for you to legally drive in the state. These requirements include liability coverage and personal injury protection (PIP) coverage. Research has found that, Auto-Owners provides some of the most affordable average rates for meeting these minimum coverage requirements.

Auto-Owners:

• Average monthly premium: $28
• Average annual premium: $341
• Savings vs state avg. for min coverage: -$215

Erie:

• Average monthly premium: $29
• Average annual premium: $343
• Savings vs state avg. for min coverage: -$213

Atlantic States:

• Average monthly premium: $29
• Average annual premium: $353
• Savings vs state avg. for min coverage: -$203

Westfield:

• Average monthly premium: $31
• Average annual premium: $377
• Savings vs state avg. for min coverage: -$179

 Geico:

• Average monthly premium: $33
• Average annual premium: $394
• Savings vs state avg. for min coverage: -$162

What Is The Cheap Or  Minimum Coverage Requirements For Pennsylvania Drivers

In Pennsylvania, all drivers must have at least the following minimum liability coverage:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident
• $5,000 personal injury protection

Your Pennsylvania insurance provider is required to provide uninsured and underinsured motorist coverage to all drivers, although individuals can decline these options in writing. Pennsylvania operates as a no-fault state, yet drivers have the choice between two “tort” options.

Opting for limited tort grants drivers the ability to sue an at-fault party solely for medical expenses, excluding pain, suffering, or nonmedical costs. Conversely, selecting full tort allows drivers to pursue compensation for both medical and nonmedical expenses arising from injuries sustained in an accident.

What Is The Full Car Insurance Coverage For PA Drivers

Comprehensive car insurance, often referred to as “full coverage,” encompasses liability insurance and PIP (Personal Injury Protection) along with collision and comprehensive coverage. This coverage extends to cover repairs to your own vehicle in the event of an at-fault accident or other mishaps.

In a search for affordable full coverage car insurance in Pennsylvania, it has been compiled average rates from insurers operating in the state. Geico emerged as the provider offering the most budget-friendly rates for full coverage.

How Much Must You Pay For A Full Car Insurance Coverage In PA:

Geico:

• Average monthly premium: $123
• Average annual premium: $1,470
• Savings vs state avg. for min coverage: -$1,483

Nationwide:

• Average monthly premium: $127
• Average annual premium: $1,527
• Savings vs state avg. for min coverage: -$1,426

Encompass:

• Average monthly premium: $131
• Average annual premium: $1,574
• Savings vs state avg. for min coverage: -$1,379

Auto-Owners:

• Average monthly premium: $133
  Average annual premium: $1,594
  Savings vs state avg. for min coverage: -$1,359

Erie:

• Average monthly premium: $147
• Average annual premium: $1,768
• Savings vs state avg. for min coverage: -$1,185

Read Also: Cheap Car Insurance Quotes NY

Required Car Insurance Discounts in Pennsylvania

Pennsylvania auto insurance providers are required to provide a minimum of three types of car insurance discounts:

Anti-Theft Device Discount:

• In Pennsylvania, drivers whose vehicles are equipped with passive anti-theft devices qualify for a discount of at least 10%. Passive anti-theft devices activate automatically when the vehicle is turned off, the key is removed from the ignition, or a door is closed. Activation requires no action from the driver.

Passive Restraint Discount:

• Pennsylvania car insurance providers are obligated to offer discounts for vehicles equipped with passive restraint systems. Vehicles equipped with passive seat belts are entitled to a minimum discount of 15%. Moreover, vehicles featuring a driver’s side airbag qualify for a minimum discount of 20%, while those with dual airbags receive a minimum discount of 30%.

Senior Driver Discount:

• Insurance providers in Pennsylvania are mandated to provide a discount to drivers aged 55 and above who successfully finish an approved accident prevention course. This discount, which lasts for three years, guarantees a minimum of 5% off the insurance premium. Renewal of the discount every three years is possible by completing another approved course.

How To Get A Cheap Car Insurance Quotes PA

To get affordable car insurance quotes in Pennsylvania, you can follow these steps:

Shop Around:

• Obtain quotes from multiple insurance companies. You can do this by visiting insurance company websites, using comparison websites, or contacting insurance agents directly.

Compare Quotes:

• Compare the rates and coverage options offered by different insurers. Look for discounts or special offers that may apply to you.

Provide Accurate Information:

• Make sure to provide accurate information about yourself, your vehicle, and your driving history when requesting quotes. This will help ensure that the quotes you receive are as accurate as possible.

Consider Coverage Options:

• Decide what type of coverage you need. While it is important to find cheap insurance, make sure you are getting the coverage you need to protect yourself and your vehicle adequately.

Ask About Discounts:

• Inquire about any discounts that may be available to you, such as multi-policy discounts, safe driver discounts, or discounts for certain safety features on your vehicle.

Review Your Policy Annually:

• Even if you find cheap car insurance initially, it is a good idea to review your policy annually to make sure you are still getting the best deal. Your circumstances may change, and you may be eligible for additional discounts.

In Pennsylvania, being a no-fault insurance state entails filing injury claims through your own policy initially, regardless of fault in the accident. To comply, you must maintain at least $5,000 in coverage for medical benefits. Up to $100,000 is accessible, covering various medical expenses resulting from a car accident, such as hospital visits, dental care, surgeries, ambulance services, physical and occupational therapy, medications, medical supplies, and prosthetics, irrespective of fault. Visit the official Website of your preffered insurance company for more details.

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