When you drive, safety is important. You probably wear your seatbelt and obey the speed limit, so why shouldn’t you also have the best Pennsylvania auto insurance too? In order to get the best insurance, though, you need to remember that every person is different. Your personal needs might be much less substantial than someone else. For example, you may only need to insure yourself while another household may have a husband, wife, and a couple of kids to insure. These are only some of the variables you will need to consider before you take out your policy.

Like every other state, Pennsylvania has a minimum insurance requirement for operating a motor vehicle. The best Pennsylvania auto insurance for you is one that will satisfy the state requirements as well as provide with whatever extra coverage you could possibly require. Of course, before you can begin to consider the extra features you want, it is important to understand what the state requires. Basically, there are three things that your insurance policy needs to cover in order for you to be street legal:

Bodily Injury Liability coverage of at least $15,000
Property Damage Liability coverage of at least $5,000
First Party Benefits of at least $5,000

Without these three components, you could get a ticket for not having enough insurance if you get into an accident or even at a routine traffic stop.

Not having enough insurance is a big deal. Obviously, if you are found to be responsible for an accident and you do not have enough insurance you could find yourself paying some extreme penalties. Of course, you will have to pay for damages, but you could also face criminal charges with the result of fines, forfeiture of your license, and even jail time! Even if you can afford to pay for damages and fines out of your pocket, would you really want to? With the best Pa auto insurance, you won’t have to sacrifice all of your money to pay for these things.

Speaking of not having enough insurance, an insurance agent would probably also inform you that the best Pa auto insurance also includes a provision that protects you from underinsured motorists. For instance, if you get into an accident and the other driver is responsible for paying damages but they don’t have any insurance, the extra coverage you have could make it easier for you to repair or replace your vehicle so you can get back to your life.

All in all, though, it is important to remember that the best Pennsylvania auto insurance for you is the one that protects you and your family without overextending your budget. Make sure you only pay for the services you need and that you are getting the discounts available to you. Again, a professional agent can help you to find not only the best policy for you, but the best ways that you can save money, whether that be by bundling with other insurance or through various discounts.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
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