Auto Insurance Rates for PA.

Pennsylvania residents can get their quotes by locating the zip code box found at the center of almost every single page of OnlineInsuranceQuotesPA.com. When the zip code is entered in, a new page will open and it will have a few questions regarding the driver, the vehicle, and the coverage the driver wants to purchase. Each topic will be on its own separate page that will open when the previous page is completed. Driver information includes their name, address, age, phone number and driving history. Vehicle information includes the year, make, model, VIN, mileage and where it is driven. The coverage information needed is what type and how much additional coverage and options would be wanted on the policy in addition to the state minimum requirements. All of these things are taken into consideration by the insurer when determining the premium charge.

The one bit of information that is not needed during the quote process is the person’s driver’s license number or social security number. As long as the applicant is providing honest information, we can provide accurate quotes. These numbers will only be needed if the person chooses to purchase a policy from the list of quotes given because they verify the applicant’s identity.

When all of the information has been submitted, the person will then be granted access to a list of car insurance quotes from insurance companies that are in a side by side format. They can take their time deciding which policy and company they would like to go with. (We have tutorials available on our site that can help drivers choose their insurer if they’re not sure who to pick.) Once they have chosen a provider and policy, they can purchase it right there with a credit card and instantly have car insurance.

Pennsylvania State Requirements
In the state of Pennsylvania, drivers must carry a minimum amount of 15/30/5, or $15,000 for bodily injury liability per person, and $30,000 per accident, as well as $5,000 in property damage liability. It is also required to carry $5,000 in medical payment coverage. Bodily injury liability will cover the medical bills of the other driver if the policyholder (or members) causes the accident. The insurer will pay up to $15,000 for one person’s injuries but only a total of $30,000 for the injuries of the driver and passengers combined. Property damage liability is where the insurer will pay up to $5,000 to repair any type of property not owned by the policyholder which he/she damaged. This can include a vehicle, a building, fence, or other type of structure. These minimum amounts are much smaller than what is recommended by experts to carry, which is a 100/300/100 amount in these coverages.

Medical payment is a coverage that applies towards the policyholder and members; when they are in an accident, even if it’s caused by them, their medical expenses will be paid by the insurer up to the amount purchased. It can be used with the policyholder’s health insurance if they have any.

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