When it comes to driving in the commonwealth, a Pennsylvania car insurance policy is a must have. What you pay and what optional coverage you accept is up to you, but there is required liability coverage that the state requires everyone to have. In addition, they operate under a Tort System. All of these aspects are part of what makes your insurance policy complex, so getting an understanding of what you’re required to have and why will make shopping for insurance a whole lot easier.


Auto insurance laws in Pennsylvania not only require every driver to show proof of insurance, but also mandate minimum coverage requirements for bodily injury, property damage, and personal injury protection. If you are caught without insurance, the penalties are firm. You could be issued a several hundred dollar fine, have your license revoked for 3 months, or even have your car put into an impound lot. Needless to say, insurance is a must. Your Pennsylvania car insurance policy can be altered a little, though. You can get extra options such as rental car insurance or uninsured/underinsured motorist coverage.


Operating under a Tort System means that if you are involved in an accident, someone must be found at fault. While other states may operate under a no fault state, a Pennsylvania car insurance policy may be more expensive because of the Tort System. Knowing that if you are the one that caused the accident would result in paying for all of the incurred expenses, many people opt for higher coverage than what the state minimums are. What’s unique about Pennsylvania is that you can choose Full or Limited Tort which not all states offer. What this means is that you can define the compensation for injuries that are caused by the other driver’s negligence.


While a Pennsylvania car insurance policy is a must, a high price is not. Get the best rate possible by shopping around for a great deal. So many companies are out there, all advertising low rates, so it is certainly a buyer’s market. Some are even so competitive as to match (or even beat) a competitor’s rate. This allows you to get great coverage at an affordable price. Look at what the companies are offering in terms of service: do they have a local office you can visit if you have questions? Will they come to the scene of the accident? How can you reach them and at what hours? These will all help you determine what price is fair in comparison to the other companies.


Driving is a privilege and a Pennsylvania car insurance policy is mandatory. After that, it’s all up to you. The car you choose to drive, how many options you accept, and what services are most desirable are all things you’ll need to take into consideration when choosing the company that will hold your policy. At the end of the day, the state doesn’t care which company represents you as long as you have proof of insurance if you get pulled over.