Auto Insurance in Pennsylvania Basics

Learn the basic steps for acquiring car insurance in Pennsylvania

An examination of auto insurance in Pennsylvania basics should include a look at the different types of auto insurance. Accident coverage is the total coverage for a single accident. Injury liability insurance generally refers to coverage against injuries that are a direct result of an accident. Property liability coverage applies to damages or theft of the covered vehicle, and also pays for damage to other property.

There are three general steps that you will need to complete in order to obtain Pennsylvania auto insurance coverage:

1. Find the government department that regulates Pennsylvania auto insurance rates. This agency will serve as a central location for many resources on auto insurance.
2. Determine the auto insurance requirements for Pennsylvania. Many drivers will choose to obtain only the minimum insurance that Pennsylvania requires, especially if their car loan has been paid off.
3. Get a quote for auto insurance. There are a large number of auto insurance agencies in Pennsylvania and multiple quotes will help establish a likely range for a given coverage.
   

 

Locate government agencies that deal with automotive insurance in Pennsylvania

Pennsylvania regulates auto insurance, as well as other types of insurance, at the state level. State laws on insurance specify issues such as the insurance coverage requirements, proof of financial responsibility and the licensing requirements for insurance agents.
Try: The Commonwealth of Pennsylvania Insurance Department answers basic questions on Pennsylvania auto insurance laws. The Pennsylvania Department of Transportation provides a summary of acceptable proof of insurance in Pennsylvania.

Find out the minimum coverage limits for Pennsylvania car insurance coverage

Insurance agencies frequently provide a summary of the types and amounts of auto insurance that Pennsylvania requires. Other organizations also may provide quick facts on auto insurance requirements in Pennsylvania.
Try: CarInsuranceQuotes.com summarizes the minimum car insurance coverage that Pennsylvania requires. Online Auto Insurance provides the auto insurance requirements for Pennsylvania.

Get a Pennsylvania auto insurance quote

You can easily obtain quotes for Pennsylvania car insurance over the phone or through email. Most insurance companies will require you to complete a short questionnaire on your vehicle, insurance needs and driving habits.
Try: Valley Agency Insurance provides a free quote within 24 after you submit the application. Groninger Insurance is based in Pennsylvania and requires a complete application for a free quote.

 

• Pennsylvania auto insurance agencies frequently express insurance requirements as a/b/c where the letters a, b and c represent the different types of coverage needed in thousands of dollars. The letter "a" is the bodily injury liability, "b" is the coverage per accident and "c" is the property damage liability. For example, 25/50/10 coverage means that the policy covers $25,000 per injured person up to a total of $50,000 for the accident with additional coverage of $10,000 for property damage.

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