September 27, 2011 in Pennsylvania Car Insurance
There are many coverage options available for Pennsylvania car insurance. The coverage options you choose will likely be determined by your budget and your personal needs. For example, if you owe money on your car you will likely have to get comprehensive coverage according to your lease or lien agreement. If you use your car for business you will want to have comprehensive coverage as well. However, if you are on a tight budget, you will want to get the most amount of coverage possible at the lowest possible cost. Using an agent who can shop with many companies will be a big advantage over one who only works with one company.
If you are looking for cheap Pennsylvania car insurance you will want to get the minimum coverage required by law. This includes several types of coverage. You will need to be covered for bodily injury of $15,000 per person or $30,000 per accident. You will also need to be covered for up to $5,000 of property damage per accident. In addition, you must have $5,000 worth of coverage for personal injury. If you do not have this minimum amount of coverage you are not legal to drive your car, so this is the lowest cheap Pennsylvania car insurance you can get. Carrying low liability limits when you have substantial “net worth” or assets is a very dangerous choice. We always advise clients to look very carefully at what they have to lose versus what they can possibly save by cutting back on important coverage.
If you are looking for more coverage you can go with a comprehensive plan. There are many options for comprehensive Pennsylvania car insurance. How much coverage you get is based on your budget and your concerns. You can get an insane amount of coverage per accident if you really want to pay for it, or you can go with the minimum amounts. There are also options for what types of coverage you carry. Drivers with good credit and good records can usually get much higher limits at drastically discounted rates because of their preferred status.
For example, you can get coverage for when the person causing the accident does not have insurance. You can also get coverage for when you have an accident that does not involve another vehicle. There is coverage available for natural occurrences that damage your car such as hail or a tree falling on your car while it is parked in the driveway. You can even get Pennsylvania car insurance that covers you when you are sitting completely still and something happens to your car.
There are also additional features you can choose to have with your comprehensive Pennsylvania car insurance. You can get a policy that will cover you in case of theft. This type of coverage is cheaper if you have an anti-theft device installed on your vehicle. You can also get roadside assistance and towing coverage for when your car breaks down while you are on the road.
Of course, if you are looking for cheap Pennsylvania car insurance you will likely not want to get all of these types of coverage and features. However, if you want to be covered for all eventualities you can do so easily. However, not all companies offer all types of coverage, so be certain you decide what you want in your policy before you start shopping around. Once you know what you want, getting the right Pennsylvania car insurance for your needs and budget is easy to accomplish.