Looking for cheap auto insurance in Pennsylvania?. Unless you get quotes from various discount carriers, you may never know if you're paying too much.
Lots of people unknowingly throw away their hard-earned money by paying higher than necessary premiums for their auto insurance in Erie. We can help you find the best insurance rates in Erie PA.
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(1) Bodily Injury Liability - If you injure another person in an automobile accident, this coverage will pay for their medical and rehab expenses and any damages for which you are liable. The minimum amount is $15,000 for the injuries to one person, and $30,000 total for one accident.
(2) Property Damage Liability - If you damage the property of another person in an accident and you are at fault, this coverage will pay for it. The minimum amount for this coverage required by law is $5,000. ( Some insurance companies will offer a single amount of $35,000 which meets the bodily injury as well as the property damage liability minimum requirements.)
(3) Medical Benefits - This coverage will pay for the medical bills for you and others who are covered by your policy, no matter whose fault an auto accident is. The minimum amount allowed by law is $5,000 of coverage. Higher limits are available, though.
(4) Limited or Full Tort - You get to decide whether to have full or limited tort coverage. Limited tort coverage will give you a savings on your premiums. With limited tort, you are allowed to recover all of your out-of-pocket medical and other expenses; but you are not able to recover certain kinds of damages - like payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort, as outlined by law. If you choose full tort coverage, you will retain unrestricted rights to file a lawsuit against the negligent party.
Drivers in Pennsylvania must purchase and maintain automobile insurance in order to drive legally. This is referred to as maintaining “financial responsibility” on your vehicles, under Pennsylvania law.
If you are stopped by a law enforcement officer for a violation and it is determined that you are operating your automobile without insurance, the following penalties and expenses may be levied against you:
- A 3-month suspension of your auto registration
- A 3-month suspension of your PA drivers license
- A minimum of $300 fine for driving uninsured
- Fees to restore your automobile registration
- Fees to restore your PA drivers license
- Vehicle impoundment
Be aware - If your vehicle registration is suspended, NO ONE may operate that vehicle!
(a) Income Loss - This coverage will pay for a portion of your lost income if the injuries you sustained in a car accident keep you from working.
(b) Funeral Benefit - This coverage will pay for funeral expenses, up to a certain amount, if you or a member of your family dies as the result of an automobile accident.
(c) Extraordinary Medical Benefits - This coverage will pay for medical and rehabilitation expenses that exceed $100,000. It provides for coverage up to $1 million maximum.
(d) Collision - This benefit will pay to repair damage to your auto as the result of an accident. Most lenders will require you to purchase this type of coverage if you are getting an auto loan. Under the law in Pennsylvania, an insurance company automatically applies a $500 deductible unless you request a lower amount. The higher your deductible is, the lower your premium will be.
(e) Comprehensive - This coverage will pay for losses to your vehicle from theft or damage to your automobile from hazards including fire, flood, vandalism or hitting an animal. Most lenders will require you to buy this type of coverage to get an auto loan. You can select from various amounts for your deductible.
Erie PA had approximately 184 car thefts in 2015 according to info published by National Insurance Crime Bureau (nicb.org).
These are some of the factors considered:
(a) Your Home Address -
The condition of the roads in your area, as well as the population, number of vehicles overall, amount of accidents and claims, and repair rates contribute to your total premium rate.
(b) Your driving record -
This factor affects your premium rates the most. Any at-fault accidents and convictions for moving violations that you've had within the 3-year period leading up to your application or renewal greatly affect your cost.
(c) Vehicle use -
The more you use your automobile, the higher your total premium will be. If you use your vehicle rarely, you will definitely pay less than if you drive it to work 20 miles each day.
(d) Type of automobile -
The style of your vehicle, as well as the likelihood of theft, and the cost of repair/replacement will affect your total premium. Your sports car will definitely raise your rate more than a family car would.
* * Don't buy a car that thieves often steal.
* * Remove all risky drivers from your policy.
* * Increase your deductibles
* * Don't pay monthly. Only pay quarterly, semi-annually, or annually.
* * Choose a car with safety features, (like an alarm system or steering wheel lock.)
Insurance companies categorize drivers into various classifications when determining rates for automobile policies.
Numerous factors are used to classify drivers. Some of the factors used are:
(a) marital status,
(c) driving record,
(e) former insurance record,
(f) where the automobile is housed, and
(g) number of miles annually driven
History has proven that drivers with certain characteristics are much more likely to be involved in an accident. Consequently, drivers with those specific characteristics are charged higher insurance rates.
Even though you may not be able to control your age or gender, you can certainly take responsibility for your driving record and the type of automobile you drive.
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