I am planning to buy car insurance in PA but I would like to know if I need to get drivers license first to purchase insurance? What auto insurance companies in Pennsylvania are the easiest to work with and have the best rates?

Lee

Philadelphia, PA

No, you do not need to get drivers license to get Pennsylvania automobile insurance.

Although you can buy automobile insurance without your drivers license, if you just moved in PA you will need to get drivers license to register and title your vehicle.

The minimum liability limits required in the state of Pennsylvania are:

• $15,000 for injury or death of one person in an accident
• $30,000 for injury or death of more than one person in an accident
• $5,000 for damage to property of another person

This insurance is usually referred to as 15/30/5 and it is better to get higher limits to better protect yourself and your assets.

If you are leasing your car, your lien holder may require you to get physical damage liability of collision and comprehensive coverage.

I need sr22 insurance in Pennsylvania, where can I get it at a cheap price?

John

Allentown PA

To be able to obtain an sr22 insurance in Pennsylvania, you should contact local insurers and ask them for quotes, their policies, and requirements for you to obtain the form. Do not hesitate to ask from as many insurers as you can since shopping for a quote can result to a better deal for you. Do not buy the first offer for an sr22 insurance in Pennsylvania since you may end up paying a lot of money for something that you can buy for less. You may feel anxious to get an sr22 insurance in Pennsylvania as soon as you can but haste makes waste. Shop from the local insurers or you can go online and get as many quotes as you can by simply going to brokers’ sites and using their online calculators, which can give you estimated rates after a few minutes. Using these sites can hasten your shopping since they can provide you with more than one quote for the same information you’ve entered on the site.

It’s also possible for you to buy the sr22 insurance from the online sites since it is said that buying from the Internet will save you a lot of money. This is because insurers provide substantial discounts to online purchases.

If the vehicle I drive is under my name and Im a resident in New Jersey, can I have it transferred to my parents name, who live in PA, and have Pennsylvania insurance?

Phyllis

Pittsburgh, PA

If you are planning on giving your car to your parents for them to operate in Pennsylvania, you should have no problem transferring the title over to them and permitting them to buy Pennsylvania auto insurance for it.

If instead you want to change the car over to your parents name and obtain Pennsylvania insurance but continue to be the primary driver and have the vehicle reside with you in New Jersey, this will likely not be proper.

Having the vehicle registered and insured in one state but the car staying in another, if not told to the insurance provider, could be considered misrepresentation or insurance fraud in some states.

A: First of all, when buying expensive SR22 certificate, be realistic. You may prefer to have high levels of coverage, but depending on the situation you are in concerning bills, debt, finances, family and so on, it may be out of your league. Budget your expenses and determine how much SR22 insurance you can actually afford.

If you’re going to cut coverages, make sure you look at them carefully before you do. If your family doesn’t have health insurance, then you might want personal injury protection on your SR22 certificate insurance to cover any injuries should any of you get into a car accident. If you do end up keeping higher amounts of coverage, try raising your deductibles for lower premiums.

SR22 certificate insurance is about more than price or name recognition, and the car insurance company who has the cheapest quote isn’t automatically the best. You need a company which has good pricing in addition to great service and great deals.