How To Lower Pennsylvania Auto Insurance Rates

Reader comment. Not sure if you guys have seen this guy before but he seems genuine and honest and offers some great points on simple ways anyone can lower their auto insurance rates. Not sure if he is in PA or not, but what he suggest will work anywhere in the US.  Check it out for yourself.  I also got a rate quote from your site….thanks, it was actually lower than what I was currently paying.

Auto Insurance In Pennsylvania – How To Get Cheaper Rates?

Reader’s Question:

How does auto insurance work in Pennsylvania? I mean, what can I do to get a lower rate, it seems like a total racket. :)

Harold

Philadelphia, PA

There are numerous large states in the US that are considered as no-fault state and Pennsylvania is one of them. Drivers involved in the traffic accident in a no-fault state must pay their own expense no matter who is held responsible. This policy helps control of annual lawsuits.

Still, there are ways to go around this rule. A victim of a critical accident where the total expense shoots further from the insurance medical expense limit can demand the driver accountable to the accident to shoulder the expenses. Because of this, people living in Pennsylvania are obliged to take along with them their liability insurance to cover expenses of the suffered person. The minimum medical coverage of auto insurance in Pennsylvania vary from thirty thousand for the combined medical expense of more than one victim, fifteen thousand for single victim and five thousand dollars for damages on property. The victim’s car repair expense is covered as well.

Auto insurance coverage such as collision and auto insurance policy are very much encouraged to motorist. In times when a driver is accountable to an accident, the insurance coverage will pay the cost of all repairs needed his/her car. Drivers without this type of coverage will bear all the expenses of his/her car repair expense.

In some states such as New York, liability insurance is not mandatory. Consequently, uninsured cars causing traffic accidents bring about big problem to their victims. The insurance company will settle the medical expenses and property damages of the victim with uninsured motorist coverage. Accidents like hit and run are also included.

There are states in the US like Pennsylvania that considers auto insurance as a financial burden. On the other hand, motorist still has many approaches in searching for a cheaper insurance rate. Aim to continue using a decent lower model car that is in running condition. Avoid SUVs and expensive car models if you are preparing to purchase one. Ultimately, gather rates from different insurance companies and use these rates as point of reference and comparison.

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.

Can I Lie To My Auto Insurance Company About Where My Car is Parked?

Reader’s Question:

I live in Philadelphia, Pennsylvania and it is really not cheap to park your car here so I garaged my vehicle in my girlfriend’s house in the suburbs. Is it legal if I change my zip code (where the vehicle is parked) in my car insurance information.

Sam

Philadelphia, PA

The place where the vehicle is garaged is typically where you live majority of the time regardless of where you garage your vehicle occasionally. Even though you use your girlfriend’s garaging address to keep your vehicle, you likely still need to operate the car to where you live, by using your automobile on a regular basis. So your residential address would be the similar as your garaging address.

Insurance carrier’s guidelines can vary though so I would recommend that you speak with your insurance carrier to know what rules they have for garaging addresses. If how you are garaging the automobile is acceptable to them and permitted according to their rules and guidelines then you may be able to use the garaging address.

If the insurance carrier does not allow this, you might think about shopping around for car insurance and obtaining auto insurance rates from other insurance companies to check if you can get cheaper premiums in Philadelphia, Pennsylvania.

Tags: auto insurance, car insurance rate, cheap auto insurance

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.

Driving Without Car Insurance in Pennsylvania?

Reader’s Question:

I’m from the state of Pennsylvania and I did not have car insurance in NC. What will be the penalty for that?

Lee

Erie, PA

It looks like you are licensed in PA but that you were stopped and ticketed in North Carolina for driving without insurance. In North Carolina driving without insurance is a three point violation and can cause you to lose your license plate.

Since you do not reside in NC, the penalty could be different, such as a future proof of liability insurance and fine. To get more information on the specific penalties contact the entity listed on your citation ticket or the NC Department of Transportation (DOT).

As for back in Pennsylvania, since both states are part of the Drive License Compact (DLC) usually they report to each others DMV tickets received. In Pennsylvania a lapse in insurance results in the suspension of your vehicle’s registration for thirty days. If it is also determined that you drove your car while uninsured your driver’s license will also be suspended for thirty days.

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.

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.

Do You Need SR22 Help In Pennsylvania?

Q: I filed a claim with my car insurance company and they’ve responded really badly. Can I get any SR22 help?

A: You might be able to get some SR22 help if you have some proof to back up the assertion that your car insurance company has handled your claim very badly. The Pennsylvania Department of Insurance has a complaint department, and you can file a complain online, over the phone, or on paper about what your car insurance company has done. If you have a good reason, the Department of Insurance will then investigate your complaint, which could lead to compensation for you and punishment for the car insurance company.

Typically, it goes like this. You file a complaint for your SR22 DoI then looks at your complaint and sends you a follow up requesting documentation of your complaint, and you send it in so they can make their final decision. Make sure you keep track of all of your records concerning your claim so that you have it for proof, and if possible record or write down what customer service representatives for your company say any time you talk to them, as well as writing down who you are talking to and their representative number if they have one.