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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.

Get 10 Quotes In 6 Minutes By Requesting An Instant Pennsylvania Car Insurance Quote

February 23, 2012 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance quote, car insurance quotes, car insurance quotes bradford, car insurance rates, car insurance rates bradford

Every year that you open your auto insurance renewal you hope that the rates are lower than the year before.  While you are hopeful you have learned how to prepare for rising rates.  If your Pennsylvania car insurance rates have increased each and every year you have been with your insurer, it is time to reconsider your loyalty to the company.  Learn how you can get an instant Pennsylvania car insurance quote online and choose an agency dedicated to making the switch easier for you.


Provide All of the Information the Agent Needs Just Once


If you have requested a quote through all of the most popular insurers in Pennsylvania, you know how time-consuming it can be.  Not only do you have to give the same information over and over again, you have to take time off of work to sit face-to-face with an agent when you need to be at work making money.  If you request instant car insurance quotes through a trusted agency, you never have to leave your home or the office to get answers to your questions.  You can simply fill out the online quote form and submit this form to the agency so you can save time. Let the agency do all the work of getting rates from 10 top companies for you.


Research Only One Insurer


Many people fail to overlook of researching the financial standing of an insurer before they do business with them.  If you are trusting an insurer to pay for claims when you are involved in an accident, you should check public records to see that the company has enough money in reserves to cover claims.  When you request instant quotes with one insurer, you only have to investigate a single insurer to verify that the company is in good standing.  Insurers must charge adequate premiums to ensure their reserves are sufficient.  When you request instant quotes, you will have peace of mind in knowing that the insurer will always be there to cover your claims.


Get Quotes With Several Different Coverage Limits


You are not an expert in insurance.  When an agent asks you how much liability coverage you want or what deductible you would like, you may not know how to answer the question.  You do not have to come with limits right off the top of your head or settle with state minimums because you do not know how to answer the agent’s question.  You will receive 10 completely different quotes so you can decide which coverage limits fit into your budget while you review them on paper.


There is no denying the fact that people love to use the Internet.  If you are on the Internet looking at funny videos or checking your social media profile, it won’t take any longer than six minutes to request auto insurance quotes too.  Blend technology and personal service together and request online quotes while you are sitting at home.  The sophisticated web quoting systems are easy to navigate through and take just minutes to complete.  Gather all of the documents you need and request 10 quotes at once so you can save money without compromising protection.