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Pennsylvania Car Insurance

Pennsylvania (PA), also known as "the Keystone State," is indeed key to the nation's history. From Philadelphia, the location of many events during the Revolutionary War, to Gettysburg, the most famous battleground in the Civil War, to the commercial/industrial importance of cities like Allentown and Pittsburgh, the state plays an important role in the life of the U.S. Likewise; PA residents face the same financial issues as other Americans, which is apparent whenever they look for a Pennsylvania car insurance quote.

There are many factors that drive Pennsylvania auto insurance quotes. Consider that Pennsylvania has always been a melting pot of cultures and has quite a diverse population. Pennsylvania also boasts lower crime rates and better health care than average. However, education levels tend to be lower than average while health care costs and the cost of living is higher than the national averages.

Well-known for its heavy industry, unemployment has been a massive problem in the Pennsylvania. Similar to the conditions Billy Joel's hit song "Allentown" depicted in the '80s, steel mills and other factories have fallen on hard times, throwing many people out of jobs. From December 2007 until July 2009, Pennsylvania lost 192,300 jobs, leaving more than a half-million people out of work. The underemployment rate (all those who cannot find the work they want plus the unemployed) is 14.1 percent.

While crime tends to be lower than average, Pennsylvania is located in the "rust belt" and some larger cities, such as Philadelphia, PA and York, PA have higher than average crime rates. As a result, Pennsylvania car insurance rates tend to be higher. The average Pennsylvania auto insurance premium in the year 2000 was $698.56 in Pennsylvania.

Average Pennsylvania Car Insurance Prices

The average price for car insurance premiums varies depending on where you live, what type of car your drive and your driving record.

Naturally, everyone from Harrisburg to Bethlehem wants to get the best possible Pennsylvania auto insurance quote. While it's nobody's idea of having fun, it is relatively easy to get a Pennsylvania car insurance quote. All you need to do is click the link on this page to get your quote. Enter your city and state, for example, "Scranton, PA," and follow the directions to get all the free information you need.

Pennsylvania Car Insurance Terms and Definitions

Those who are new to shopping for auto insurance quotes may be bewildered at first by the terminology, so they are described here to make it easy for you.

Pennsylvania Assigned Risk Plan: The Pennsylvania Assigned Risk Plan is for those who cannot obtain regular car insurance (perhaps because of their driving record or the type of vehicle they drive). Some who qualify for the assigned risk plan may qualify for lower rates if within the previous 36 months, all licensed drivers in the household have had no accidents other than those in which a Pennsylvania car insurance company paid no more than $1,150 in claims; received no more than three moving violation "points"; had no driver's license suspensions or revocations; and have been licensed drivers for at least three years.

Pennsylvania Car Insurance Claims Procedures: These are the steps you must follow if you have been in an accident or had a vehicle stolen. When shopping for insurance, you should consider the differences in procedures between companies. If you have a fender bender in Erie, you don't want to have to get a claims adjuster all the way from Harrisburg to examine it.

Pennsylvania Collision Insurance: As the name states, this covers damage to your car when involved in an accident with another vehicle or another object.

Pennsylvania Car Insurance Company Profiles: It is very important to know a little about the Pennsylvania car insurance company before you buy a policy. How long has it been in business? Does it have a good reputation? Check with the state's Insurance Department in Harrisburg, PA, to find out if there have been complaints lodged against the company.

Pennsylvania Comprehensive Car Insurance: Think of this as full coverage. Comprehensive car insurance covers your cars and (in certain situations) other vehicles you may be driving incidents other than collision. For example, comprehensive car insurance covers damage to your car if it is stolen; or damaged by flood, fire, or was struck by an animal, such as a deer. Comprehensive car insurance may be required if you lease your car. If you have a newer car, you may need comprehensive car insurance to repair or replace it after an accident or loss.

Pennsylvania Deductible Values: This is the amount you must pay after an accident. The auto insurance company pays the remainder of each covered loss (up to a limit specified in the policy).

Pennsylvania Car Insurance Discounts: Pennsylvania car insurance companies offer many ways to save money on your policies. For example, your car insurance quote may be lower if you've already bought your home, life or another vehicle's insurance policy from the same company. Senior citizens with excellent driving records, students with good grades and people who drive safe cars have excellent chances for discounts.

Full Tort: Full tort coverage allows you to sue against the negligent party in an auto accident.

Limited Tort: A limited tort policy means you give up your right to recover some damages (such as for pain and suffering) unless they are defined as serious.

Premium rates: Premiums are the amount of money you pay for car insurance coverage for a specific amount of time. That figure may vary, depending on how old your car is, what model your car is or whether you live in a lower crime city such as Scranton or a higher-crime area, such as Reading.

Things to Keep in Mind When Getting a Pennsylvania Car Insurance Quote

When trying to reduce a car insurance quote, it is very important to remember that state law requires all PA car owners to carry: medical benefits, bodily injury liability (which covers medical and rehabilitation expenses for those injured from an incident you caused) and property damage liability (which pays to repair or replace another person's belongings damaged from an incident you caused. If you do not have these three types of coverage, you could be fined. Your license could also be suspended and your vehicle may be impounded. So be sure those three items are in your car insurance quote.

To keep your rates low, consider choosing a higher deductible, especially if you have a clean driving record. You will have to pay more out of pocket if you are involved in an accident, but it may be worth it for the lower premiums.

Another way to keep your premiums lower is to consider staying with an older model vehicle, which will have lower rates. Car insurance tables compare car makes, models and ages as well as location when determining policy rates. It's a sad fact of life that more crimes occur in certain ZIP code areas of Philadelphia than others. On the other hand, smaller cities, such as Doylestown, PA may have much lower auto insurance rates.

Be sure to get a car insurance quote from at least three companies before you sign on the dotted line. Take the time to carefully consider each quote so you get the coverage you need at the best price. Take the time to call each agent with any questions you may have and report any less than scrupulous agents to the state Insurance Department.

Getting auto insurance quotes is not anyone's top entertainment choice. We'd all rather be watching the Phillies or the Penguins in action or visiting the Amish communities in Lancaster. Fortunately, with a car insurance quote so readily available online, it's easy to get all the free information you need.

So what are you waiting for? Compare cost and coverage details from the Pennsylvania cities of: Philadelphia, Pittsburgh, Harrisburg, Wilkes-Barre, Scranton, Allentown, Altoona, Bethlehem, Carlisle, Chambersburg, East Stroudsburg, Easton, Erie, Hanover, Johnstown, Lancaster, Lebanon, Pottsville, Reading, State College, Williamsport, York, Bloomsburg, Berwick, Bradford, DuBois, Gettysburg, Huntingdon, Indiana, Lewisburg, Lewistown, Lock Haven, Meadville, New Castle, Oil City, Sayre, Selinsgrove, Somerset, St. Marys, Sunbury, Warren and more.


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