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Understand Pennsylvania's Insurance Requirements
Know what's mandatory. In Pennsylvania, mandatory coverage includes Bodily Injury and Property Damage Liability coverage (BI/PD), and Personal Injury Protection (PIP) coverage.
You must also choose either full or limited tort coverage. Full tort coverage allows you to sue a driver who injures you or your passengers, without limitations on the extent of injury. Limited tort coverage is less expensive and allows you to recover out-of-pocket medical and other expenses. But there's no payment for pain and suffering, unless your injuries cross a certain threshold determined by state law.
Keep Your Insurance Current
It's the law. The minimum requirement for Pennsylvania drivers is 15/30/5 which is $15,000 bodily injury coverage per person, up to a total of $30,000 for everyone injured in an accident, and $5,000 for property damage. You're also required to purchase $5,000 PIP coverage. If you're caught driving without car insurance, you may face a $300 minimum fine, a three-month suspension of your vehicle registration and driver's license, restoration fees to restore your registration and license, and vehicle impoundment.The Minimum Is Not Enough
Optional coverages offer important protection. 14 percent of PA drivers drive without insurance, so we recommend you always buy UM/UIM coverage. Uninsured and Undersinsured Motorist Bodily Injury coverage (UM/UIM) pays for injuries caused by an uninsured or underinsured driver. Uninsured Motorist Property Damage coverage (UMPD) pays for damage to your car, caused by an uninsured driver, if you don't have Collision coverage.
Medical Payments coverage pays for medical and other expenses from an accident regardless of fault. Comprehensive and Collision coverages protect your car from damage, theft or other loss that's not caused by another driver. Higher deductibles can save you money.
Where Does My Premium Go?
Ever wonder how your premium payment is divvied up? Here's a ballpark sample based on an average Joe with an average policy.
Compare Rates Annually
When your life changes, your insurance should, too. Just married, new homeowner, or empty nester? Every life change brings new financial realities and may offer a chance to save on your car insurance. From multi-car discounts to student discounts, you can save if you take the time to review your auto insurance policy and compare current marketplace rates to the price you're paying.
We do the work for you, so you save time and money. An online application for comparison quotes takes about 10 minutes to complete.
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