Affordable Car Insurance Auto Insurance in Pennsylvania - Compare Rates




Whether you live in Philadelphia, Pittsburgh, Williamsport Greensburg, Lancaster or any other place in Pennsylvania, if you have an automobile it is mandatory that you buy the liability auto insurance. Also 2011 has had a decrease in auto insurance rates so it the perfect time to shop.


The Commonwealth of Pennsylvania follows a system where an option of "full tort" or "limited tort" is available.

The definition of "Tort" is any private or civil wrong or injury, other than breach of contract, for which the law provides a solution in the form of an action for damages.

If you select 'full" tort coverage, you are preserving your family's full legal rights in case of an accident or injury. Obviously in this case you are supposed to pay a higher premium.

If you are looking for saving money, then 'limited" tort coverage is your answer .This option provides limited rights and you can only recover a limited sum for "serious" injuries (which are defined very narrowly).

Pennsylvania State law requires the drivers to have

Bodily injury Liability Coverage
This coverage will help you by covering expenses of any bodily injuries that you cause to others.
>> Minimum coverage the law requires is $15,000 per individual and $30,000 per incident ("15/30")

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Property Damage Liability coverage
This coverage will cover any property damage you caused to possession of others. Don't think that property is a narrow term; a victim may include a damaged tree or even a mail box in the list of damaged property.
>> $5,000 Limit

First Party (PIP) Coverage
The Personal Injury Protection (PIP) enables you to pay for "reasonable" medical expenses. The coverage will cover you and your passengers who are injured in the accident.
>> The minimum limit is $5,000 individual's own medical bills. The bills will be paid regardless of who is at fault.

This basic coverage is often referred to as 15/30/5 coverage.

Over and above this you can also go for Uninsured/Underinsured Motorists' Coverage for a better protection in case you get into an accident with someone who is uninsured/underinsured. You can buy this coverage at an amount equal to or smaller than your basic liability coverage.

You can also go for additional coverage of Collision which provides resources to repair the vehicle. Keep in mind that this coverage won't include medical and other expenses related to drivers and passengers of the vehicle. It is a purely a property damage coverage.

One more option is Comprehensive Coverage which is applicable for damage to the car other than accident i.e. fire, theft, natural disaster.

The efficient way of buying insurance is through internet. You can save time and also get quotes from various insurance companies and choose the best deal without much of a hassle.

So understand your needs and go for an insurance that suits you the best.

Happy buying!

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