Auto Insurance Quotes in Pennsylvania






Pennsylvania, formalized as a state in 1681, was one of the nation’s first to be settled. Today, the state’s population numbers over 12 million residents, with the fifth largest driver population in the country.

With this many drivers, it might surprise people to find that Pennsylvania roads are safer than average according to the National Highway Traffic Safety Administration. Per 100,000 population, Pennsylvania had 9.96 traffic fatalities in 2009, compared to 11.01 for the U.S. The number of fatalities has also dropped each year since 2005, helping Pennsylvania auto insurance rates to fall below the national average.

Pennsylvania Auto Insurance Requirements

Each state requires certain auto insurance coverage for each registered vehicle and licensed driver. Pennsylvania requires drivers to carry liability insurance with minimum coverage limits of 15/30/5. This means $15,000 of bodily injury per person or $30,000 per accident, and $5,000 for property damage. Pennsylvania also requires PIP, or Personal Injury Protection, for $5,000. This coverage also goes by First Party Benefits, or FPB. Some states may allow drivers to meet the medical coverage requirement with employer-provided health insurance, if the coverage is adequate.

Coverage Types

Each type of auto insurance provides coverage for specific types of damage or injury. Liability insurance does not cover the policyholder; it covers only the other party’s damages. PIP insurance covers medical costs for the policyholder and his passengers. Comprehensive coverage takes care of damage caused by non-collision events such as floods, fire or vandalism. Collision insurance pays for damage caused when your vehicle collides with another vehicle or object. Car finance companies usually require comprehensive and collision coverage as part of their finance contract. Some drivers add on uninsured motorist protection, which covers the policyholder in case a motorist causes an accident and cannot pay for the damages.

Teen Drivers

Pennsylvania’s teen drivers take part in a three-stage driving program, helping them experience progress gradually into safe, confident drivers. The stages include six months of skill building before a teen can qualify for a driver permit. With a permit, the teen must have an over-21 driver in the car at all times and accumulate 50 or more hours of supervised driving practice.

Stage 2, the junior license, allows teens to drive alone, but they must not drive after 11:00 p.m. or before 5:00 a.m. Teens may only have as many passengers in the car as the number of seat belts available. The third stage, an unrestricted license, is available when teens turn 18 and have completed the previous requirements.

Graduated drivers licensing for teens provides more oversight and guidance. According to Philadelphia’s “The Inquirer,” teen driver fatalities have dropped approximately 24 percent statewide from 2005 to 2010. This important change saves lives and may reduce car insurance premiums for teenage drivers.

Discounts

When getting insurance quotes, ask about policy discounts. Many insurance companies offer at least some type of discount, although they may not give it unless asked. Good driver discounts are popular, as well as good student discounts. Recently, insurers have begun providing premium reductions or a shrinking deductible over time for good driving behavior. Some companies also reward policyholders for paying a full year up front, or paying monthly premiums through an auto-deduction from their bank account. Finally, adding more cars to the same policy or combining your auto insurance coverage with another type of coverage such as homeowner’s insurance saves money on premiums.

Pennsylvania Average Premiums for Auto Insurance

According to CarInsurance.com, Pennsylvania, drivers pay an average of $1,353.56 for standard insurance coverage per year as of July 2011. This compares favorably to the national average of $1,436.40. The trend in prices has been heading slightly down for most of 2011, although drivers in urban areas of Pennsylvania continue to pay higher premiums.

Philadelphia, the largest city in the state, costs drivers an average of $2,313.05 each year for insurance, while drivers in Pittsburgh pay a much more affordable $1,459.69. These amounts provide a frame of reference, but each driver has his or her own set of unique circumstances that may result in different premiums.

Shopping for Pennsylvania Auto Insurance

Many of the largest insurance companies provide coverage in Pennsylvania. This includes GEICO Auto Insurance, Progressive Car Insurance, State Farm, Allstate and Liberty Mutual. Esurance.com is another online quote provider that returns several quotes based on the consumer’s provided information. Obtaining several quotes is the easiest way to find lower rates. Insurance companies use their own algorithms to evaluate customer risk, so different companies may price the same driver differently. It is worth the minor investment to shop around for the lowest offered rates.

Pennsylvania Auto Insurance Quotes

Free online quoting tools make it simple to get quotes for auto insurance carriers licensed in Pennsylvania. Many auto insurance websites provide a simple quote form to complete online. Consumers should be aware of how much, and what types of coverage they need. While going through the quote process, some insurance companies will also provide tips to reduce premiums, such as recommending discounts or higher deductibles.


Leave a Reply