Pennsylvania Auto Insurance Laws - 5 Car Insurance Laws in PA That You Need to Know

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It is important to understand the various Pennsylvania auto insurance laws. Why? Because understanding these laws may just end up keeping you safe and saving you some money! Laws regarding car insurance change greatly depending on the state you live in. Some places have very straight forward or even practically non-existent laws, while others have more complicated and detailed laws. No matter where you live it is essential to know certain laws regarding auto insurance if you own a car. The state of Pennsylvania is no exception. There are, in fact, 5 car insurance laws in PA that you need to know.

Law #1 - PA's Minimum Requirements For Car Insurance

The state of Pennsylvania mandates that you carry minimum liability limits of $15,000 per person bodily injury, $30,000 per accident total bodily injury and $5,000 per accident property damage. It also requires you to carry $5,000 in medical expenses coverage. These limits are extremely low and not satisfactory protection for most people when involved in a serious accident.

Law #2 - PA Is A No-Fault Auto Insurance State - Sort Of

You need to choose if you will have a limited tort or full tort option on your PA car insurance policy. Choosing full tort gives you better coverage if you are hurt in an accident. Limited tort is less expensive but it prevents you from receiving compensation for pain and suffering by limiting your right to sue the other party.

Law # 3 - There Are Hefty Penalties For Not Having PA Car Insurance

If you are caught driving without liability car insurance in the state of Pennsylvania, you will get a 90-day suspension of your license and several fines and fees.

Law # 4 - Pennsylvania Has An Assigned Risk Plan

In Pennsylvania, there is an assigned risk plan that ensures everyone can get auto insurance, no matter how high-risk they are. If you have been refused coverage, cancelled, or are having trouble getting coverage, you may want to check into it.

Law # 5 - You Can Stack Uninsured Motorist Coverage For Extra Protection

If you have more than one vehicle on a policy, you can stack the UM coverage on them for an additional premium and get additional protection.

Compare Pennsylvania Car Insurance Policies

Now that you are familiar with these 5 PA car insurance laws, you are well prepared to start shopping around for your car insurance needs. Use a free online quote tool, and you can compare top companies that are ready to offer you the coverage you need.

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Tips For Comparing Pennsylvania Car Insurance Quotes Online

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It pays to know the latest tips for comparing Pennsylvania car insurance quotes online. Even though the state of Pennsylvania ranks 18th in terms of auto insurance costs, one of its cities ranks much higher. Philadelphia is the second most expensive city for car insurance in the nation. Before investing in coverage, make sure you get a variety of Pennsylvania car insurance quotes, and follow these four tips, to compare them first.

Tip One: Make sure you only use free online quote tools. No insurer or web site should be charging you anything to shop around for the best prices.

Tip Two: Use a quote tool that compares multiple insurance providers at once for the most effective use of your time.

Tip Three: Know how much car insurance coverage you want to carry before you begin. Most companies will quote you on the industry standard $100,000, $300,000, $100, 000 liability policy, even though the state minimums here require only $15,000, $30,000, $5,000. It is to your benefit to go with the higher amounts which provide a more realistic level of coverage for accidents in PA. You will also need Personal Injury Protection (PIP) coverage in the state. When comparing prices, make sure the prices you are looking at are based on the same level of coverage.

Tip Four: When you have narrowed the choices down based on price, be sure to check the company itself out. It must be licensed to do business in Pennsylvania. It should also have an A or better rating with one of the independent insurance ratings companies like A.M. Best, for you to know that it is financially stable. These things can be easily checked online.

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