Residents of Pennsylvania should note there is a law that requires all drivers to have one form of financial responsibility declared with the state in order to legally drive. Purchasing auto insurance is one of the most popular ways residents have done to follow this state law. The problem is, many PA drivers don’t understand how or know the best way to find the cheap prices and therefore they don’t carry as much coverage as they could possibly afford. Experts say every driver should carry as close to full coverage as possible with higher monetary amounts than what is required by the state’s minimum. If you don’t feel like you have enough coverage or you want to see what other people are paying for the same policy you are carrying, read on for further details on how to save.

Gathering PA Quotes
One way to gather quotes for insurance coverage in Pennsylvania is to use online auto insurance’s quote comparison tool. If you have never heard of it or used it before, you are missing out on a great opportunity to easily save money on coverage. First, unlike other comparison methods, there are no fees to use it (so it’s 100% free!) and there isn’t an obligation to purchase a policy or anything else when you do use it. We are honestly committed to helping people find lower rates for car insurance, especially in Pennsylvania. Second, our comparison tool allows drivers to find these cheap rates in a matter of minutes, instead of spending hours you don’t have. Our tool can be used any day of the week, and at any time of the day, so there is no need to wait for operating business hours to get quotes and find out which company is the cheapest.

Hopefully this description has caught your attention enough to find out how the quick process works. To start, locate the zip code box found on the center of our homepage or at the top of almost all of our regular webpages throughout the site. Enter the zip code and watch as a new page opens. This new webpage will contain a list of questions for you to answer. They are basic questions asking about the vehicle, the driver, and finally what type and amount of coverage you would like to add to your policy. One great feature about this tool is the driver can go back through the questions and change the types and amounts of coverage wanted to watch how the price will fluctuate according to the coverage purchased. And again, there is no charge or limit on how many times a person fills this out.

Once the answers have been filled in and submitted, the driver will be given a list of quotes from surrounding PA insurers. To make it easier, we’ve listed the rates in a side by side format that allows the person to easily locate the cheapest price. Interested in purchasing that price? Go ahead and buy that low priced policy online with no hassles.

What To Purchase
State law requires a person with auto insurance should have at least a minimum of $15,000 in Bodily Injury Liability per person and $30,000 per accident, $5,000 in Property Damage Liability, and $5,000 in Medical Coverage. Sounds like a lot? It shouldn’t because it’s actually a low amount of coverage. Thinking about how much a major accident would cost – in terms of property repair and medical bills – this wouldn’t cover a car full of people. Experts recommend covering a 100/300/100 policy instead of this 15/30/5 coverage. More coverage will be needed if full coverage is wanted, meaning the policyholder’s expenses will be paid for in addition to the other driver’s.

Bodily injury liability will pay for the medical expenses of the other driver, not the policyholder. There are two separate amounts listed, one per person and one for the total medical expenses of the accident. Medical Coverage, which is required, will pay for the policyholder’s medical expenses, but $5,000 won’t cover major medical expenses if the car was full of injured people after the accident. Property Damage Liability will only cover the repairs of the other vehicle or property that was damaged, not the policyholder’s vehicle. You can see how these requirements do not give the policyholder a large amount of protection of his/her assets.

A driver wanting more coverage should look into additional medical and property coverage. Comprehension and collision are popular coverage options and are required by loan companies if the car is on lease or loan. These combined will pay for repairs of the vehicle no matter what caused the damage. More medical insurance may be necessary, especially if the policyholder wants lost wages and funeral expenses to be part of their coverage. Personal Injury Protection is an option that will include those expenses in addition to medical bills. There are also options such as towing or rental car insurance that can be added for a fee, but not every driver adds these.

How To Save On PA Rates
The best ways to save on your car insurance premiums is by having a great driving record, purchasing the lowest priced policy for the coverage you want, and utilizing discounts as much as possible. The types of discounts that are offered by PA auto insurance companies are the good student discount, senior citizen discount, discounts for passing driving courses, and discounts for having safety features in the vehicle among others. Aim to get as many as possible added to your policy, and then work towards others so they too can be included in the future. While drivers cannot immediately erase past tickets and accidents, they can work on observing traffic signs and laws and not getting any more tickets and accidents to help them become eligible for the good driver discount.

Obeying PA law includes having proper auto insurance coverage for the vehicle and driver. QuoteClix.com breaks down the terminology for drivers to better understand what is required of them and what is available to them. We also show motorists how to get the best rates in town. Choose us for your Pennsylvania auto insurance needs.