Cheap Auto Liability Only Insurance in Pennsylvania
Reader’s Question:
I’m looking for a cheap auto insurance company that could provide me with liability insurance only.
Donna
Philadelphia PA
Finding a Pennsylvania cheap insurance company will take a little asking around and some research on your own. The first thing you can do is to ask your family, friends and the people you work with if they can point you to a Pennsylvania cheap insurance company. You can get additional feedback from them regarding their insurers’ reliability in terms of providing the coverage when you need it. You will also know from asking what insurance company will likely come up most often and the reason why it is so. Aside from asking, you should do some research by getting a business directory for your place and draw up a list of all the names you will find there. From that list, you can call each one for quotes to see which among the companies are offering cheap premium rates.
Another way of finding a Pennsylvania cheap insurance company is to go online and check out each one. In each website, the insurer will likely advertise the different rates and discount schemes they have for a particular period. Moreover, the websites are also equipped with online calculators that you can use to quickly compute for insurance rates. When you have an idea of their offerings, you will be able to ascertain which ones are offering cheap premiums.
Auto Insurance Companies in Pennsylvania With No Drivers License?
Reader’s Question:
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.
How Expensive is Comprehensive Auto Insurance In Pennsylvania?
Reader’s Question:
Is it expensive to get a collision and comprehensive auto insurance policy in Pennsylvania?
Maila
Philadelphia PA
Before a motorist think of price, it is important to understand how a particular coverage can protect and benefit him in the long run. A collision and comprehensive vehicle insurance in Pennsylvania means you are getting more protection as a motorist. Normally, it is only liability that the law requires. It is enough for a motorist to have the minimum requirement so that when he accidentally hits a person, or injures a person during an accident, or damage a property, his insurance can cover the costs of damages.
A collision coverage will protect a motorists in the event that his car is damaged because of collision. The liability insurance is only good as far as covering third party damages while the owner of the car is left to take care of the costs of fixing his vehicle. A comprehensive vehicle insurance in Pennsylvania means you don’t need to worry about repairs that are not collision related. What if a big branch falls on your car? You will definitely have to do something about the dent on your roof.
A comprehensive vehicle insurance in Pennsylvania ensures that you need not worry about repairs since you get covered for that kind of damage. For all of those protection, a motorist should expect to pay a reasonable amount of premium. It should not be too expensive nor too cheap. To get the right price, shop for quotes.
Where Do I Get Teen Drunk Driver Insurance?
Reader’s Question:
Hello from Pennsylvania! Can anyone help me out here? My teenage son was caught drunk driving and got his insurance cut off. Now he wants to start driving again. Will we still be able to get insurance for him? Is there such a thing as drunk driver insurance?
Eric
Pittsburgh, PA
Hi there Eric. Uh-oh… Drunk driving is not good. Are you sure you want to let your son back on the road so soon? Anyway, there’s still hope for insurance although it will be trickier this time around.
You can also your auto insurance rates to go up because of your son’s tarnished driving record. If your son’s license and registration has been suspended, you will need to ask your automobile insurance company to file an SR-22 in your behalf. This is a legal document that will prove to the Pennsylvania’s Department of Motor Vehicle that you have the proper insurance coverage. This must be maintained for at least three years, and there will be reinstatement fees to be paid. I suggest you look for an insurance company that specializes in serving high-risk insurance drivers and SR-22 filings.
You may also want to look into companies that specialize in teen driving insurance. These companies will be able to provide affordable insurance rates even with your son’s record of drunk driving. How about going to online auto insurance companies websites? You can easily get cheap online auto insurance quotes from these websites free of charge! And please, next time he does go on the road, tell your son to drive safely.
What Kind of Car Insurance Coverage Should I Get in Pennsylvania?
Reader’s Question:
If there’s a third party liability, then what’s the coverage for first and second party liability? I don’t think I’ve heard of those here in Erie, PA. I just got my first car and I don’t know what kind of insurance to get.
Chuck
Erie, PA
You are one confused kid, I tell ya. Okay, let us get all the terms clear here, all right? The term first party refers to you, the policy owner who entered in to contract with the second party, which is the car insurance company. So, yes you were correct about not having heard of the first party and the second party liabilities before because in Erie, Pennsylvania and in any other state for that matter, the most common and most sought-after kind of insurance coverage is the third party liability. Well, of course, you got the idea of second party all wrong. Seriously now, the third party refers to the other person or other persons who are involved in the accident, and they are the people to whom the damage is done, whether in terms of body injuries or damage to property. So in a nutshell, the coverage of the first party liability includes the policy owner, his or her passengers. The third party liability, on the other hand, covers property damage and bodily injures on other people as a result of the accident, so you won’t have to worry about paying for repair bills and medical expenses. And there’s no such thing as second party liability, which is like saying that it’s the vehicle insurance company that caused the accident.
Tags: auto insurance, auto insurance coverage
Military Discount Car Insurance in Pennsylvania?
Reader’s Question:
My son is in a military academy and He will spend about a total of 1 month at home during the year for visits. I just want to know if in Erie, Pennsylvania do I need to keep my son on my auto insurance, if his drivers license address is still at our address? If not what will happen if he got involve in an accident while driving my vehicle? Can he get a military discount on car insurance?
Gina
Erie, PA
Insurance provider guidelines in Erie PA vary so you will need to contact your insurance company’s agent to check if they will require you to keep your son in your policy or not, that is away at the military academy for most of the year.
Since he is only going to be at home for a month in a year your insurance provider may permit you to take him off as a driver for the present time period. If they do then your insurance company will probably let you to inform them when he does come in for visits. While he is in using the vehicle they may require you to add or re-instate him as a an additional driver.
What Are The Penalties For Driving Without Insurance in Pennsylvania?
Reader’s Question:
I got involved in an accident and was informed that my license was suspended and my auto insurance was not valid prior to the accident in Springfield. What will the penalties be?.
Richard
Springfield, PA
In Pennsylvania the penalties for driving with a suspended license will differ depending on the reason for your license suspension. If it was suspended due to driving a car without auto insurance it will likely be three months before you can have it reinstated.
If you are found by police officer to be driving without insurance in Springfield PA, you could face the following penalties and expenses:
- A minimum fine of $300 for driving uninsured;
- A three month suspension of your driver’s license;
- A three month suspension of your vehicle’s registration;
- A $50 restoration fee to restore your vehicle’s registration;
- $50 restoration fee to restore your driver’s license;
- Your car may not be driven by anyone while the registration is suspended.
In addition if you were at fault in the car accident, you likely will be held personally liable for the damage to the other driver’s car. You may contact the Pennsylvania Driver and Vehicle Services to get more information regarding the penalties.
Tips To Get Lower Rates On Auto Insurance For Teens in Pennsylvania
Reader’s Question:
Living a life in Philadelphia, Pennsylvania can be so demanding. Maybe that’s just for me because I’m getting ready to buy my teenage daughter her own car. But, of course, I would also have to worry about the auto insurance. What cars for teens would be the best for low insurance rates?
Emily
Philadelphia, PA
In general, the less expensive a vehicle is to purchase, the less costly it is to insure. Typically, vehicles that have high horsepower, high dollar or expensive to repair are the most expensive to insure. Higher horsepower cars are statistically favored by risky drivers that would likely drive the car faster and get into more accidents. That would send insurance rates to go up for everyone who owns a similar car.
Your insurance company might charge you higher rates if the car that you will buy for your daughter is popular target for thieves. Insurance companies feel there is a higher risk for it to be stolen and parts might be in higher demand, thus, would cost more. It would also likely cost more to fix after a collision if it is a high-priced car. This can actually cause insurance to be higher on that type of car. You can get quotes for each car that you are interested in buying for your daughter to find out which one is cheaper to insure. I’m confident enough to say that you can always get an online rate quote for great car insurance in Pennsylvania from this site.
Can I Transfer My Car Insurance Policy To Parent Name?
Reader’s Question:
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.
Penalties For Driving Without Insurance in Pennsylvania?
Reader’s Question:
I’m from Allentown, Pennsylvania and I’m thinking, what are the penalties if you get caught driving without insurance?
Paul
Allentown, PA
If Pennsylvania Department of Transportation (PennDOT) finds your car insurance has lapsed for over thirty one days you will have your car’s registration suspended for three months. If you get caught operating the vehicle without car insurance your license will be suspended for three months as well.
The vehicle’s registration plate, card , sticker and your driver’s license must be surrendered to PennDOT to serve the suspension. Reinstatement fees of $50 and proof of valid car insurance must be submitted prior to the time your registration and/or driving privileges are to be returned.
Other than these penalties for not having car insurance on your automobile if you are cited and stopped for operating a vehicle, your car might be impounded and fines will likely result, as well as the aforementioned suspensions.
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