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Cheap Car Insurance in Pennsylvania(PA)
What you might not know about Pennsylvania car insurance could be preventing you from getting cheap car insurance. In Pennsylvania, there are mandatory laws which are put in place that require each and every motor vehicle on the roads to be registered and insured with a certain amount of minimum liability insurance. Unlike other states where you might not have the flexibility to get online quotes, you can and should get Pennsylvania car insurance quotes online to help you find the best insurance plan for your personal needs and financial capabilities.
But before you do that, it's important that you learn everything there is to know about car insurance in Pennsylvania. Then, armed with the facts, you can go ahead and get the best insurance rates from one of the many insurance companies in Pennsylvania.
Minimum Liability Car Insurance in Pennsylvania
No matter the type of motor vehicle you are driving, be it car, golf cart, motorcycle, recreational vehicle, truck, van or bus, you must have Pennsylvania car insurance on the vehicle. This type of insurance is called liability insurance and must meet minimum amounts in order for you to be in compliance with the law.
You need a minimum of $15,000 liability insurance for the bodily injury or death of one person in an accident as well as a $30,000 insurance policy for injury or death of more than one person in an accident. Additionally, you are also required to purchase $5,000 of insurance coverage for damage to the property of another person in the state of Pennsylvania.
Bodily injury coverage covers all injuries that happen to other people in any car accident in which you are involved. It makes no difference whose fault it is, but it won't cover your own personal injury; that's what the other party's car insurance covers. As for property damage liability, if the other person is at fault and has no car insurance, you will not receive any compensation for your vehicle. What it does is protects you from liability to other's property in the event of an accident. Your property will be covered by the other party's property damage insurance.
While this may seem like a lot, it really isn't, especially if you know how to lower your car insurance in Pennsylvania (we'll show you how below). The bottom line is that you have no choice but to buy this minimum insurance if you wish to operate a vehicle on Pennsylvania roads.
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