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.
Car Insurance For Single Parents in Pennsylvania
Reader’s Question:
How can I lower my car insurance cost. I’m a single parent here in Pennsylvania.
Bernice
Philadelphia PA
Single parent car insurance discounts can be reasonably cheap if the right steps are done to lower premiums.
Firstly, if a child is born, the single parent needs to notify his insurance company. As one becomes a parent, he is perceived as being less risky by the insurance companies, as such, premiums should become lower.
In order to lower the insurance cost of single parents, one may combine multiple coverages and policies with one company. Some car insurance companies offer homeowners and renters insurance that can be combined in one account with a discount.
One more way to lower single parent car insurance is to raise deductible levels. Doing this can have a significant impact on insurance for single parents and aid in controlling costs.
Will Comprehensive Auto Insurance Pay For Hit and Run Accident?
Reader’s Question:
My car was parked in front of my house in Reading, Pennsylvania and last night it was hit by another vehicle. I have comprehensive and uninsured motorist coverage. Will these cover the damage on my vehicle?
Marla
Reading, PA
Comprehensive insurance coverage covers your car for things other than collision such as fire, flood, or animals or if your car gets stolen. Collision coverage on the other hand covers your vehicle when your vehicle hits, or is hit by, another car, or other object. I do not think your comprehensive coverage would cover the damage to your car you mentioned if it was from another vehicle since that would usually fall under the Collision coverage.
Uninsured motorist can be either for property damage or bodily injury. If you have the bodily injury (UMBI) then it will not pay for damages sustained to your automobile. Normally this insurance covers you, your passengers or insured members of your household for bodily/personal injuries, death or damages caused by an at-fault uninsured or hit-and-run motorist.
If you have uninsured motorist property damage (UMPD), and if the damage are from a hit and run accident then your vehicle may be covered. Typically UMPD covers your car when property damage is sustained by an insured and the other party does not have car insurance.
You may contact your insurance carrier in Reading, Pennsylvania to get better understanding of the coverages you have on your car insurance policy and you may also ask if the damages sustained in an accident would be covered.
Can I Use My Out of State Auto Insurance in Pennsylvania?
Reader’s Question:
I live in MI and am planning to move to Altoona, Pennsylvania. I want to keep my auto insurance in Michigan. My father said that in Pennsylvania they won’t honor my car insurance policy in case of an accident. Is this true?
Fields
Altoona, PA
Yes, your father is correct, but you would need to speak to your auto insurance agent to be sure how your insurance provider will deal with your move in Altoona, Pennsylvania.
The insurance provider would need to be informed about you and the car relocating to PA. The insurance company would then say if you would be able to stay on your father’s policy but normally the answer would be no. When you move away from home, and the vehicle is no longer garaged at the home address listed on the car insurance policy an insurance company will usually no longer carry you and the car on the current car insurance policy.
You may need to speak with your father if either your name being added to the title of the car or signing it over to you completely.
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.
Will My Car Insurance Rate in Pennsylvania Increase if I Commute To NY?
Reader’s Question:
Why do insurance carriers ask Pennsylvania (PA) residents if they commute or work in NJ or NY? Does that increase your insurance rate?
Allan
Erie, PA
Insurance providers differ in their rating systems so it is possible that some insurance companies within Pennsylvania include usage of the vehicle, meaning in this example commuting out of state into NY and NJ for work, could be used as a rating factor.
It is likely that driving into New Jersey and New York on a regular basis may find you to be a higher risk driver to an insurance provider since those states may have higher statistics of uninsured motorists and/or accidents. Risk analysis is what insurance carriers use when determining your car insurance premiums. Risk is probability; the probability that you will get involved in an accident and the probability of the severity of the incident.
It look like the PA laws permit usage of the vehicle, such as commuting into NJ and NY can be used to help assess your insurance rate. Whether it will increase your car insurance rate or not will depend upon the individual insurance carrier’s rating system so you can ask if working in or commuting to New Jersey or New York will affect the cost of your insurance.
I Live In New York Can I Register My Car in Pennsylvania?
Reader’s Question:
My brother lives in New York and wants to insure her vehicle under my insurance policy in Pennsylvania. Her vehicle is registered in New York. Is this possible?
Helen
Philadelphia, PA
No, normally this would not be possible for a few reasons.
One reason is that likely your insurance provider would not permit you to insure an out of state car that is not garaged at your home, not driven by a member of your household and not registered in PA. If you did not give your insurance provider the information that it was your brother’s car registered, driven and garaged in NY when adding the vehicle, nor have your brother listed as a driver on your insurance policy then this could be determined to be misrepresentation, a form of insurance fraud.
Another reason that you cannot insure your brother’s NYS registered car with PA car insurance is that New York laws require vehicles to be insured with NYS insurance.
Is Teen Driver Required To Be Added To Parent Car Insurance Policy?
Reader’s Question:
Is my 16 year old teenage son required to be added to my insurance policy simply because he has his license, or can he just borrow my insured car until she gets his own car? What are the ramifications (if any) if I didn’t add him and there was an accident? We live in PA.
Carrie
Allentown, PA
Pennsylvania insurance providers guidelines vary but in general insurance companies will require you to list all licensed motorists in your household on your insurance policy. Since you son has received his license your car insurance company should be notified and they will tell you if you are required to add him or not, most likely you will need to add him in order for his to have coverage.
If you do not inform your Pennsylvania insurance provider about your son being licensed and he is not added to the policy then he may not be covered if in case of an accident. Or we have heard of situations in which the teenager would be covered for the accident but only after you have paid the premiums that should have been paid for your teenage son to be on the policy and properly covered.
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