Liability insurance coverage is mandatory in the state of Pennsylvania as well as in almost every other state in the country. When looking for Pennsylvania car insurance coverage for your vehicle, you should be aware that you can obtain a Pennsylvania car insurance quote online and comparison shop for the best deals. Drivers looking for cheap Pennsylvania car insurance should check the Internet for companies offering competitive prices. Purchasing your insurance online can often save you time, money and frustration in finding just the Pennsylvania car insurance coverage you need.
Car Insurance Requirements for Pennsylvania
It is unlawful to drive in Pennsylvania without vehicle liability insurance. Liability insurance covers the expenses of injury, death and property damage of others in an accident you cause. The minimum amount of liability insurance you are allowed to obtain in Pennsylvania amounts to $15,000 per individual for injury or death, $30,000 for each accident in which injury or death resulted and $5,000 property damage per accident in which you are at fault.
Every registered vehicle in the state of Pennsylvania must have this minimum liability coverage. This includes motorcycles, cars, trucks, vans, buses, etc. Failure to have Pennsylvania car insurance coverage can result in having your registration suspended for up to 3 months. PA car insurance rates for a liability insurance policy may vary from company to company. But when selling their insurance policies, all companies must insure their customers comply with this minimum coverage.
Temporary Suspension of Car Insurance
Most drivers pay for their insurance coverage on a monthly basis as this makes it easier for them to manage car insurance rates. PA car insurance rates depend on what kind of insurance policy you obtain. The more coverage you obtain, the higher your insurance premiums. By obtaining your Pennsylvania car insurance quote from different companies online, you may be able to obtain cheap Pennsylvania car insurance to keep costs down. Another way of lowering insurance costs is to temporarily suspend your insurance when your vehicle is not in use for extended periods of time.
There may be times when you do not need to use your vehicle for a month or several months at a time due to traveling abroad, making extensive vehicle repairs or temporarily using other forms of transportation. Temporarily suspending your insurance coverage during these times can save you money on insurance costs. Some insurance companies make allowance for this temporary suspension, enabling you to restart coverage afterwards without complications or penalties. When you obtain your Pennsylvania car insurance quote, you can inquire whether your prospective company offers this option.
Individuals who choose to temporarily suspend their vehicle insurance coverage in Pennsylvania must inform the Department of Transportation and surrender their registration plate to the same department for whatever length of time they will be without insurance coverage. By law, no registered vehicle in Pennsylvania can be without mandatory Pennsylvania car insurance coverage, even if it is not going to be on the road. Failure to turn in your registration plate can result in your registration and/or license being suspended.
Pennsylvania has very strict rules when it comes to vehicle insurance. Drivers should learn as much about these rules as possible before they obtain their Pennsylvania car insurance coverage. This way they will get the appropriate coverage they need and fulfill their legal responsibilities as well.