subject: What To Know When Buying Cheap Pa Auto Insurance [print this page] Cheap PA auto insurance is offered, sometimes even regardless of your past history in driving.
Whether you have had accidents, or let your auto insurance lapse in the past, even if you have not ever had insurance on your vehicle, you could still find insurance that is affordable for you in Pennsylvania.
The mandatory minimums, as far as coverage in Pennsylvania, are fifteen thousand dollars for liability regarding injury to each person involved in the accident, or death. For the total people involved in the accident, it would be thirty thousand dollars. That is your minimum limit of liability in PA. There is also a minimum of five thousand dollars for damages to property. It would be shown on your policy as follows: 15/30/5.
However, you should always think of what is best for you. The minimum oftentimes are just not enough. And if you are a risk, and you know it yourself, you may want to increase these minimums so that they make more sense. For example, five thousand dollars worth of coverage for the damage of the other vehicle is not very much. On some newer or luxurious vehicles or large trucks it could be the replacement cost of a bumper.
As far a for yourself, you may want to also consider collision, if you have a newer car. This is so that it will be repaired or replaced if it is damaged or totalled. You may also want to add comprehensive insurance to your policy, if you live in a bad neighborhood. This part of the policy covers theft, fire, and so forth.
Look into what is best for you, but if you cannot afford all of the extras, then just get the minimum liabilities required for the state of PA. If not, you could be fined a minimum of three hundred dollars. You could also face the suspension of your auto registration for three months, as well as the same for your drivers license.
So, make sure you have your insurance identification card, which is issued by the carrier. You may also want to carry along the declaration page for the policy. More proof of insurance would be the valid binder of the car insurance, or a copy of the application for the car insurance.
Purchase insurance. It is for your own good, as well as the good of the people you may involve in a future accident. But above all, be careful and defensive when you drive.
by: William Wilson
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