Auto Insurance In Pennsylvania
Reader’s Question:
I am from Harrisburg so I need help in getting auto insurance in Pennsylvania. What should I know?
George
Harrisburg, PA
Hello George!
Auto insurance in Pennsylvania is quite simple. You just have to buy auto insurance coverage with the following minimum limits and you’re ok. So here are the minimum required auto insurance limits here in Pennsylvania:
- $15,000 for injury or death of every person in one accident;
- $30,000 for injury or death of two or more persons in one accident;
- $5,000 for property damage.
It’s important that you have the required auto insurance in Pennsylvania or else you may be facing bigger problems if you are caught driving uninsured. Punishments for driving without auto insurance are quite harsh – a fine of $300, license suspension for a period of three months with a reinstatement fee of $50, and registration suspension for a three-month period with reinstatement fee of $50. Not to mention, your vehicle is also not allowed to be driven by anybody as long as it’s suspended.
Meanwhile, since you are looking for auto insurance, I would recommend you follow these simple steps to help you get cheap auto insurance rates:
- Shop around for auto insurance quotes. I always consider the Internet as the best place for shopping for auto insurance quotes. Since auto insurance rates differ greatly among auto insurance providers, shopping around would greatly help you in finding cheap auto insurance.
- Increase your deductible to lower your auto insurance premiums.
- Make sure your credit report is good. Several studies have shown that a person’s credit repost is related to his or her risk as a driver to auto insurance carriers.
- Purchase a vehicle that is low profile. Buying a vehicle like sports car for example may mean expensive auto insurance premiums.
