As a resident of Pennsylvania, you know that it's a state law that you must have auto insurance.
If you don't have auto insurance, and you're pulled over for any reason at all, you can expect to pay a pretty hefty fine.
The best way to be an informed consumer when it comes to Pennsylvania auto insurance is to know the basics.
You can consider the basics the building blocks of making good consumer choices.
In this article, you will learn some general knowledge about auto insurance in PA, and also a little about how to make sure you get the best rates.
First, Pennsylvania auto insurance is not so simple that you either have it or you don't.
If you know anything about insurance, you know that different things are covered for different amounts of money.
Get familiar with the laws in Pennsylvania.
After all, you live here and you should know what the state government expects of you.
For instance, you must have a minimum of fifteen thousand dollars in bodily injury liability per person and thirty thousand per accident.
You also must have five thousand dollars in property damage and five thousand dollars in first party benefits.
This is the basic coverage in PA and is generally referred to as 15/30/5 coverage.
When you ask most of your friends in the state how they chose the coverage they did, you might be a little surprised by their answers.
Many will say they bought their Pennsylvania insurance plan because it was the first policy they came across, or because someone told them it was good.
While word-of-mouth is a great way to get ideas, you should most certainly know how to do the research.
This begins with getting quotes.
As a matter of fact, you should get auto insurance quotes every year.
This might seem excessive, but rates change every year.
Also, as your finances and driving record change, so will your monthly premium.
The name of the game is staying current.
In the end, the best way to get the best deal on your PA insurance rates is to shop around.
Purchasing auto insurance is no different than purchasing anything else.
If you're concerned with saving money, you have to do a little research.
Get online and see what kinds of policies different companies are offering.
Get a bunch of free quotes.
Find out what kind of premium you want to pay and what kind of coverage you feel safest with.