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Pennsylvania Car Insurance For Teen Drivers

June 5, 2013 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance for teens in pennsylvania, car insurance in bradford, car insurance in bradford pa, Insuring a teen driver, Pennsylvania Department of Motor Vehicles, property damage

Pennsylvania requires car insurance for all vehicles on the road.  Insuring a teen driver for the first time is an additional cost for many parents.  For drivers between the ages of 16-18 years, there are new laws that pertain to skill building to help them be responsible drivers.  They also include the number of passengers that can be in the automobile.  Number of passengers cannot exceed number of seatbelts in the car.

There is a requirement for at least 65 hours of behind the wheel skill building, 10 hours for nighttime driving and 5 hours bad weather driving.  Before a teen receives a learners permit the insurance company may want he or she to be included on the parent’s policy.  It is a good idea to talk to your agent, about what would be the requirements.  Because they are not mature adults, insurance companies consider this a higher risk, which leads to higher premiums.

Your teenager might be eligible for some discounts.  Ask your insurance agent if it is possible to get a discount for good grades or completed drivers education courses.  The Pennsylvania Department of Motor Vehicles needs to know if new teen drivers will be able to take care of the responsibilities financially, if they have an accident.  Whether through a parent’s policy, that covers insurance for them, or a policy of their own.

Insurance premium costs can be a huge issue for younger drivers.  Saving money or not getting enough coverage can be a big mistake.  There are now ways of establishing financial responsibility.  One would be to have a car insurance policy that meets Pennsylvania minimum standards.  Another option is to be self-insured, which requires a minimum of $50,000 cash bond.

To drive legally, a registered automobile must have liability insurance protection as follows.

  • $15,000 of coverage for an injury or death of one person in an accident
  • $30,000 of coverage for injuries or death of more than one person in an accident
  • $5,000 of property damage

For young drivers there are other options for more coverage,which offer better protection for them and their family.  You will want to discuss other options with an insurance agent.  The agent has the knowledge you will need for all the laws pertaining to car insurance for driving in Pennsylvania for teens.

Take some time to investigate rates and coverage at different insurance companies.  You will find no two companies are alike.  You can make online searches or use toll-free numbers provided by insurance companies.  Research is your best way of finding the car insurance in Pennsylvania that gives you the coverage as well as the options you need and can afford

Pennsylvania Car Insurance – Tips To Save Money

April 30, 2013 in adequate insurance coverage, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance companies in Pennsylvania, car insurance in bradford, car insurance in bradford pa, car insurance in pennsylvania, full tort, liability insurance, limited tort, property damage, underinsured driver, uninsured driver, Vehicle liability insurance

When registering a vehicle, all Pennsylvania motorists are required to have liability insurance.  Vehicle liability insurance covers any property damage or injuries that have happened in an accident.  However, only having the required car insurance in Pennsylvania is not always the best tip to save you money.

Every owner of autos or motorcycles need insurance to protect themselves from claims made against them.  Which would be liability insurance of any accidents that may be their fault.  This should be for compensating any damage or injuries to the victim of the accident.

As an owner of a vehicle in PA when you are getting insurance, you should consider buying enough coverage for any damage you cause.  The cost of automobiles has risen over the years, so an individual needs enough coverage by insurance to take care of any injuries or damage done to the other party in the accident.  Mainly, this is to protect your own assets from being lost.

Losses occur when you do not have adequate insurance coverage.  The insurance agent will be able to help you with questions.  It is good for you to understand the insurance you need.  He or she will help you save money in different ways without eliminating the most important coverage.  Coverage can include each family member, but he or she can help you decide if individual policies can save you money

The laws of Pennsylvania give drivers a choice for additional coverage that fall under two added options called Limited Tort and Full Tort.  It is important to determine which is best for you, as you are unable to change the option once selected, even for annual renewals.  This coverage allows you to recover on all medical and property expenses.  However, Limited Tort does not include pain and suffering or other non-monetary damages in the recovery.

Full Tort is the form of insurance that maintains all the rights you have for family members under your policy, especially if you had an accident with an uninsured or underinsured driver.  All medical bills or out-of-pocket expenses are completely paid.  Additionally, you may seek financial compensation for pain and suffering, lost wages, and other non-monetary losses.

Because so many accidents result in serious injuries, most people recommend that you have as much coverage as you can afford.  This is the only way to protect your assets from losses, and there is protection available since car insurance companies in Pennsylvania give you many options to select.


Will A Speeding Ticket From Another State Affect Your Car Insurance?

August 8, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, bodily injury, bodily injury insurance, bodily injury liability, bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance in pa, car insurance rates, department of motor vehicles, property damage

Many motorists wonder about how out of state driving infractions will affect their automobile insurance rates back home. Most Pennsylvania motorists are quite concerned about keeping their Pennsylvania car insurance rates down. Therefore, they take great care to drive safely. However, interstate car travel has become so easy today that it is not unusual for drivers to receive speeding citations while travelling through another state. Some drivers have even received more serious driving infractions such as DUI while out of their home state.


How Out of State Infractions Affect Your Car Insurance Rates


When it comes to driving infractions, most states have agreements between them to inform each other of violations that occur within their state. These agreements require that out of state driving violations be made known to the Department of Motor Vehicles (DMV) in a driver’s home state. Depending on the state where you live, these infractions may become a part of your permanent driving record.


The policy for recording out of state traffic violations on a person’s permanent driving record varies from state to state. Some states require that all infractions be recorded on a driver’s record while other states only record serious infractions. Drivers with multiple traffic violations will eventually be considered high risk by both the DMV of their state and insurance companies alike. High risk drivers always pay higher insurance rates than those with good driving records.


In Pennsylvania, out of state speeding violations are not considered serious traffic infractions. Therefore, it is not mandatory that these violations be recorded on a driver’s record. In fact, your insurance company may not even be informed that these violations exist. As a result, your Pennsylvania car insurance rates would not be adversely affected by them. If your speeding infraction caused an accident, however, that would be noted on your driving record, which could affect the cost of your insurance.


Serious infractions that occur out of state such as reckless driving or DUI are recorded on your driving record and these could have an impact on your insurance rates. Whether you are buying car insurance in PA for the first time or are renewing a policy, your insurance company can review your driving record to get an idea of what kind of driver you are. A poor driving record will reflect negatively upon you when it comes to getting car insurance in PA and will undoubtedly result in higher Pennsylvania car insurance rates.

PA Car Insurance Laws


In accordance with PA car insurance laws, vehicle insurance is obligatory in Pennsylvania, as it is for all U.S. States. Different states may vary, however, in the type of insurance coverage they require. In Pennsylvania, mandatory auto insurance for a private vehicle includes Bodily Injury Liability, Medical Benefits, Property Damage and Limited/Full Tort coverage. Pennsylvania drivers can also choose extra coverage such as collision, uninsured motorist, accidental death, comprehensive, etc.


Pennsylvania car insurance rates run on the high side, depending on the insurance company you use and the coverage you choose. Your personal driving record will also affect your insurance costs. For this reason, it is important to maintain a safe driving history. Cultivating bad driving habits such as speeding, regardless of where you travel, poses great risk to you and others. It is much better to drive safely and securely everywhere you go and avoid any risk of traffic violations or possible accidents.

Pennsylvania Car Insurance: What Are The Pennsylvania Financial Responsibility Laws?

June 23, 2012 in auto insurance, auto insurance bradford, auto insurance bradford pa, bodily injury, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, financial responsibility laws, full tort, limited tort, no fault, property damage, uninsured motorists

If you are new to Pennsylvania or you are in the process of testing for your license, it is time get familiar with financial responsibility laws in the state.  Financial responsibility laws, which are also commonly referred to as PA auto insurance laws, require all drivers in the state to carry valid auto insurance when they are driving a vehicle on public roadways.  Drivers who are caught driving without Pennsylvania car insurance can be punished in a number of different ways.  Some of the most common punishments include the suspension of your driver license, the suspension of your registration, fines, tickets, and even jail time.  As you can see, the state takes insurance very seriously.  Learn why insurance is so important and what type of insurance is covered in the state and protect your driving privilege and yourself.


What Coverage Must You Carry in Pennsylvania?

All drivers in the state must carry third party liability insurance.  This coverage will pay a third party driver if you cause damage or injuries to that driver.  Liability is made up of both Bodily Injury and Property Damage coverage.  Your policy will only pay up to the limits stated on your policy to pay for either injuries or damage.  You must satisfy the state minimums of $15,000 per person and $30,000 per accident in Bodily Injury cover.  You also must carry $10,000 in Property Damage.

Not all states require drivers to carry first party (or medical payments) cover.  In Pennsylvania, you are required to carry a minimum of $5000 in medical benefits.  This coverage will pay for reasonable and necessary medical treatment resulting from an accident.  You can raise these limits if you desire by requesting higher limits on your Pennsylvania auto insurance quotes.

In some states, Uninsured Motorist is optional.  Officials in Pennsylvania require Uninsured Motorist so all drivers are protected from the few people who violate the financial responsibility laws.  If you are hit by someone with no insurance or low liability limits, your Uninsured Motorist cover will pay for your medical treatment up to the limits stated on your policy.  You must carry at least $15,000 per person and $30,000 per accident of UM in Pennsylvania.  If you select higher limits you will have added protection in exchange for paying Pennsylvania car insurance rates.


Understanding Tort and Full Tort

Pennsylvania is one of the few states that is classified as a “no fault” state.  This means that you have the option to select either a Full Tort or Limited Tort policy.  When you select a Limited Tort policy you limit your rights to sue by receiving a lower premium.  When you select a Full Tort policy, you can sue for things like pain and suffering, embarrassment, and other losses.

As you can see, financial responsibility laws in Pennsylvania are very complex.  You need to make sure you understand these laws when you are getting your license or registering a car in the state.  Sit down with an agent and discuss the laws in detail so you have a deeper understanding.

Benefits Of Quick Pennsylvania Car Insurance Quotes

April 29, 2012 in auto insurance quote, bodily injury, bradford pennsylvania, low-priced insurance, pennsylvania, pennsylvania car insurance quotes, property damage, ratelock

If you live in Bradford, Pennsylvania and you recently received your auto insurance renewal, it is time to price shop so you can find the lowest premiums.  Many drivers in Pennsylvania accept the fact that their premiums go up each year because they simply do not want to go through the process of pricing insurance.  If you are tired of accepting premium rate hikes, you can get quick Pennsylvania car insurance quotes from the comforts of your own home.  These quick quotes will include 10 different premium rates with a wide range of coverage options so you do not have to keep submitting your personal information to individual agencies.  Learn how you can benefit and find low-priced insurance with comprehensive coverage. 


Submit Your Information Once


Have you ever set up an appointment for an auto insurance quote?  When you visit the agency, it can take an hour just to discuss the type of coverage you want.  After all of that time, you may end up receiving a quote that is higher than what you currently pay.  Time is money in today’s business society.  You can submit your personal information and your vehicle information just once and receive all of the quotes you need to make the best decision for your situation. 


Choose the Right Amount of Coverage


In the state of Pennsylvania, all drivers are required to carry a minimum amount of insurance to pay for damages and injuries when they are negligent.  All drivers must have no less than $15,000 per person and $30,000 per accident of Bodily Injury coverage.  These drivers must also carry $5,000 per accident in Property Damage cover to pay for damages to a third-party vehicle.  When you consider the cost of medical care and vehicle repairs, these limits are not always sufficient.  When you receive quick quotes through one agency, you can compare several different liability limits so you are not stuck with the bare minimums if you are involved in an accident. We even offer the newest “ratelock” option from Erie Insurance. This option allows you the choice of locking in your rate to avoid any surprise rate increases in the future.


Choose the Policy and Pay


Once you review all of the coverage options that are included in the quick quotes you can decide which policy you can afford.  Simply tell the agency which quote strikes your fancy and then discuss payment arrangements.  After you make your first payment and select your policy effective date you can request an ID card.  Switching from your old insurance to a new insurance provider has never been easier. 


Stop paying too much for your auto insurance because you do not have time to schedule appointments at your local Bradford agency.  If you want to switch insurers so you can save money, get 10 quotes at once and you are bound to find a policy that will meet your needs.  Never sacrifice quality coverage for affordability when you are trying to save money.  Choose liability limits that will protect your assets and give you peace of mind while you are on Pennsylvania roadways.  Request your quick quotes today and discuss the options with the agency so you know what you are paying for.