Pennsylvania Car Insurance Quotes
"When it comes to insurance, knowledge is the consumer's best policy."
—Pennsylvania Insurance Commissioner Diane Koken
Welcome to InsureMe's Pennsylvania car insurance information page. We realize that shopping for car insurance can be a hassle, but we're here to make it easy for you! With just a few minutes and a little information, we can get you up to five competitive Pennsylvania car insurance quotes from local agents who are ready to compete for your business.
So fill out our "Get a quote" box and compare Pennsylvania car insurance rates today!
Important Information Regarding Pennsylvania Car Insurance
Educating yourself to be a smart insurance shopper and empowering yourself with the knowledge needed to make an informed decision are the most important things you can do when shopping for Pennsylvania car insurance.
One way to do this is to visit the Pennsylvania Department of Insurance and test your Pennsylvania car insurance knowledge using their interactive quiz.
Another way to become informed is to examine this InsureMe page for information and helpful tips on purchasing Pennsylvania car insurance. We are here to help!
Minimum Coverages
The minimum required Pennsylvania car insurance coverages include:
- Medical Benefits—Pays medical bills for anyone covered under your policy regardless of fault. Minimum coverage for this category is $5,000.
- Bodily Injury Liability—Pays medical and rehabilitation expenses to anyone for whose injuries you are liable. Required minimums are $15,000 per person and $30,000 per accident.
- Property Damage Liability—Pays for damages to another person's property caused by an accident in which you are at fault. Minimum coverage of this type is $5,000.
Some Pennsylvania car insurance companies offer a single limit of $35,000 which meets both the bodily injury liability and the property damage liability minimum requirements. Ask your Pennsylvania car insurance company or agent if this coverage is available to you.
Helpful Tips
Policyholders, and those who are shopping for Pennsylvania car insurance policies, are encouraged to:
- Research and comparison shop before purchasing
- Schedule a routine "check-up" with your car insurance provider at least once a year
- Ask your agent or Pennsylvania car insurance company about any discounts available
- Remember that an insurance policy is a legal document—and read it carefully
Frequently Asked Questions
"What should I do if I don't understand all the terms of my Pennsylvania car insurance policy?"
First, contact your agent for clarification and/or explanation. This is part of the agent's responsibility in servicing your policy. If this does not resolve the issue, write or call the Pennsylvania Department of Insurance's Bureau of Consumer Services at (877) 881-6388, and they will be happy to help you.
"What determines my premium amount?"
Various factors such as age and number of drivers, type and age of your vehicle, the purpose for which the car is used, the number of miles driven annually, and the number of previous claims can all affect premium rates.
"How much will my Pennsylvania car insurance company pay me if my car is damaged?"
Your Pennsylvania car insurance company is required to pay the amount necessary to return your car to the condition it was in just before the accident. You may request information from the insurance company or your agent regarding repair facilities within a reasonable distance. You are free to choose your own repair shop.
"What should I do if my Pennsylvania car insurance company cancels or nonrenews me?"
Contact your insurance agent or company to find out why your policy was cancelled or nonrenewed. If you are not satisfied with their explanation, you may submit a statement to the Pennsylvania Department of Insurance detailing why you disagree with this action. This statement must be received within 30 days of your receipt of the cancellation or nonrenewal notice.
More Information
Further questions or problems concerning your car insurance should be directed to your Pennsylvania car insurance company. For those problems which cannot be resolved in this manner, you may contact the Pennsylvania Department of Insurance at 877-881-6388, or log on to www.insurance.state.pa.us.
Shopping for Pennsylvania car insurance doesn't have to be complicated. Let InsureMe help by providing up to five free, competitive quotes. Why not do the math and start saving today?
