If you are a new driver in the state of Pennsylvania there is a lot to learn about Pennsylvania’s insurance system. It’s always a good idea to consult with a local auto insurance agent to have the ins and outs explained to you thoroughly. In addition, a reputable, licensed agent can provide you with a quote for Pennsylvania insurance that your can rely on.
Many people shop online for car insurance because it’s quick, easy, and convenient. But it may end up costing you more time, difficulty, and inconvenience in the long run. For example, in the state of Pennsylvania registered vehicle owners can choose between two types of insurance coverage: full tort insurance and limited tort insurance. When you obtain a quote for Pennsylvania insurance online, these two options are not explained very clearly or in much detail. For the most part an online quote site will highlight the fact that limited tort insurance is a little less expensive than full tort insurance.
While that fact is true, your premiums will average about 15 percent less with a limited tort policy, there are other, potentially life changing differences between the two. With limited tort insurance, if you are hit by another driver you cannot bring a lawsuit against that driver if you feel that your damages are more than what his insurance policy will pay for. If he has a policy with the Pennsylvania minimum for bodily injury, which is $15,000, and your injuries end up costing you $75,000, well that difference must be paid by you. If you chose the full tort insurance option, you would have retained your right to file a lawsuit in such a scenario.
It is important details like this that a licensed agent will explain to you.
Another part of a reliable quote for Pennsylvania insurance will include Pennsylvania’s mandatory insurance. If you own a motor vehicle registered in the State of Pennsylvania then you are required to purchase and maintain auto insurance. Under the law, any driver with a vehicle registered in the state of Pennsylvania must carry the following mandatory minimums amounts of insurance:
- at least $15,000 of coverage for injury or death to one person in a single traffic accident
- at least $30,000 of coverage for injuries or deaths to more than one person in a single traffic accident
- at least $5,000 of property damage coverage.
A licensed agent will also be able to explain to you the different optional coverage types available to you. For example, you can purchase comprehensive and collision coverage over and above the state required minimums. There are other options like towing coverage or coverage that will reimburse your for rental car expenses in the event of an accident.
So call today and make an appointment with an agent to discuss your quote for Pennsylvania insurance so you can get behind the wheel. You’ll be glad you did.
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