There are plenty of opportunities to find quality car insurance at cheap prices in Pennsylvania. With a variety of companies vying for the attention and business of consumers, residents of PA realistically have their “pick of the litter” when it comes to choosing a solid company to insure a vehicle. Drivers who are not sure where to find such a company should begin their search here with us. At Onlineautoinsurance.com we can help drivers from all over Pennsylvania find the best price for the auto insurance they need.
Our site is coupled with a brokerage company that has the ability to provide drivers and consumers with quality automobile insurance quotes. Every driver should compare their current premium cost with what else is being offered by other companies on a regular basis if they want to make sure they are getting the best price in town. Also, it’s a way to find out what types of coverage are being offered elsewhere in comparison to the current company. Since these insurance policies can be canceled at any time and the policyholder reimbursed for the remaining time period, drivers can take advantage of our search at any time, not just right before their policy ends. Upon the findings of a better premium or policy, the policyholder can purchase the preferred choice and then cancel the old policy by using the new proof of insurance card.
Get Your Quote
How to begin and proceed with this quote process is quite easy, especially when you consider the value of the results. Start by entering the local PA zip code into the appropriate box on our Website. A new page will open, which will contain a list of questions directed at the future policyholder. These questions are used to determine what kind of driver and vehicle needs the insurance. It would be beneficial to have some information readily available to answer the questions with correct information. Some of these things to know prior to beginning the list is the vehicle’s information such as the VIN number, current mileage, make, model and year. The driver’s information needed includes age, gender, birthday, residential location, and driving history.
A great thing about our site is we do not call for the driver’s personal information, such as their driver’s license number or social security number, when they apply for quotes. These numbers are usually used to check a person’s driving history and address, among other things. We know the high risk of identity theft on the Internet and respect consumers who want to protect themselves. Even with omitting this step from our questionnaire, drivers can still receive great quotes so long as the information they provided during the questions is honest and accurate. If a driver chooses to purchase a policy from one of the given quotes, then that personal information will be needed as a verification of the person’s identity. But this only occurs at the time of purchase, which is not an obligation to anyone using the quote tool.
Once the questions are answered the driver will have access to a list of four or more local auto insurance groups and the quotes they are offering to the specific driver. This feature is great as it allows for a side by side comparison of the quotes being offered. The convenience of answering one list of questions and getting at least four different results is far better than contacting those companies individually and wasting the consumer’s valuable time. Upon the comparison, the consumer then has the choice to purchase a policy at their will. There is no obligation to purchase any policy when using our tool, nor are there any fees associated with its use either. The driver should only purchase a policy when one is needed. As an added bonus, some consumers have the ability and option to print out their own proof of insurance card for immediate need.
What Drivers Need
The law dictates that all drivers must carry a minimum amount of Pennsylvania auto insurance to legally drive. This minimum is a 15/30/5 policy with $5,000 in medical payment coverage. More specifically, drivers must carry at least $15,000 in bodily injury liability per person and $30,000 per accident, and also $5,000 in property damage liability. Each of these liability coverage amounts applies towards the other party and vehicle, not the policyholder’s own damage. The insurer will pay for the repairs and medical expenses according to their specific terms and only up to the amount purchased. Many expert recommend drivers carry a 100/300/100 policy.
Penalties
There are penalties that will be strictly enforced upon drivers who fail to follow the law of carrying adequate coverage. At any time a police officer can request proof that you have car insurance or any other form of financial responsibility that permits you to legally drive. This can be at any traffic stop or when involved in an accident. If the driver cannot show that they have insurance, a $300 fine will be given. Possibly added onto this fine would be a three month suspension of the driver’s license as well as the vehicle’s registration. To get either of these reinstated, the driver will pay $50 for each reinstatement and can only be done so after the driver can prove car insurance has been purchased. The driver will be sent a letter from PennDOT with exact instructions and explanations. Penalties will become more severe as time passes without insurance or on different accounts of offense. The penalties are not as harsh if the driver turns in their license plates to the state immediately when no insurance is purchased, or if the driver has had less than 31 days of insurance and hasn’t driven their vehicle.
Rates
Premium rates in Pennsylvania are determined by a number of factors concerning the driver and the vehicle that are to be insured. If you remember the above discussion concerning the questions asked before receiving the insurance quotes, that is the information in which rates are determined. Car insurance companies take the information about the driver and vehicle and figure out how likely it is that this particular driver will make a future claim. This assigned level of risk is done by a particular member of the company and statistics are used to make this measurement.
PA auto insurance is necessary if drivers want to avoid consequences from law enforcement. It’s easy to find by using our quote tool, which can also help drivers find the lowest rates available.
