Car insurance companies look at your age, gender, driving record (such as
your traffic ticket and violation history), where you live, and the kind of
car you own when determining your car insurance premiums. The company from
which you purchase your car insurance in PA will also play a roll in the
cost of your car insurance.
Many of these factors can be changed in the future. Drive safely and soon the points you’ve been given for traffic violations will be removed. Grow older and you’ll be considered a more experienced driver. Choose a safer vehicle and you won’t be seen as such a risk.
Yet, the best way to get cheap car insurance in PA now is to purchase PA’s minimum car insurance requirements.
The minimum car insurance requirements for PA are as follows:
$5,000 for coverage of property damage (another’s property)
$15,000 for coverage of the bodily injury or death of one person
$30,000 for coverage of the bodily injury or death of two or more persons
PA’s minimum car insurance requirements are considerably lower than those of other states; however, purchasing the minimum car insurance requirements should only be a last resort. For example, if your budget does not allow purchasing more than PA’s minimum insurance requirements then purchasing the minimum is recommended. After all, you must legally have car insurance to register and title your car in PA. Plus, if you are caught without car insurance you could be fined, your license could be suspended, your registration could be suspended, and your car could even be banned from the roads by all drivers – not just you.
Talk with a few car insurance companies about getting cheap car insurance in PA. Many car insurance companies offer discounts to those with good driving records and those who purchase more than one insurance policy, such as a car insurance policy and a homeowner’s insurance policy, from their insurance company.