Driving in Pennsylvania
Pennsylvania is a state of history, beauty and livability.
You can see everything here from the Amish driving a cart and horse to a BMW speeding down the highway.
This is a state where old meets new and you can get everything in between.
Not only is it one of the original 13 colonies, but home to a diverse and sometimes unwanted history.
The Declaration of Independence was signed right here in this great state at the Independence Hall.
Pennsylvania has a large German ancestry here and the old school ways of the Dutch as well.
It seems that this beautiful state has a serenity which people want to protect.
In close proximity to New York City, people here sometimes live and commute into New York.
The Appalachian Mountains run through Pennsylvania making it diverse in scenery.
Whether you are living here already or hoping to move into the state, you will love this state.
From snow in the winter to a hot and humid summer, you will find beauty in all corners of this state.
If you need a car to commute or you want to purchase a home you will need to have the right kind of cheap insurance in Pennsylvania..
Statistics
Despite the increasing number of options for cheap insurance Pennsylvania has, the price for consumers remains high.
There are over 11 million registered vehicles on the road, with over 300 traffic crashes each day.
This statistic helped bring the average yearly insurance premium up to $1,440.
In 2009, Pennsylvania was one of the states with the fewest number of uninsured drivers (only 7%),
but the percentage has climbed steadily since then, to a high of 15% or more, due to a number of economic factors.
This also has an effect on the rising cost of auto insurance.
Driving without insurance in Pennsylvania will result in the suspension of your vehicle registration, and a possible drivers license suspension as well.
Other penalties can include a minimum of a $300 fine and a $50 fee to restore your license and/or registration.
- The state motto is “Virtue, Liberty, and Independence.”
- Pennsylvania is officially a Commonwealth, which means all legal processes are carried out in the name of the Commonwealth.
- The area was first settled by the Dutch, and they have remained a strong cultural presence in the state.
- Home to eight Fortune 500 companies, the state has a GSP of $570 billion. If the state were instead a country, its economy would rank 18th in the world.
Car Insurance
Car insurance in Pennsylvania is a must. Not only is it the law but it is set in place to protect you and those who drive around you.
You can attain the cheap car insurance Pennsylvania residents need by calling a broker.
There is a minimum amount of car insurance that every driver needs in this great state.
Here are the requirements you will need:
- Bodily Injury Liability Coverage: $15,000 per person, $30,000 per accident.
- Property Damage Liability Coverage: $5,000.
- Uninsured Motorist Coverage: $15,000 per person, $30,000 per accident*
Here are some other options for you:
- Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
- Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
- Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
- Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.
- Full glass coverage- this is additional coverage for your car to cover glass windows and doors.
- Loan/lease coverage- when you have a loan or a lease out on a vehicle, your coverage needs to be different. Most of the time a full policy is required.
- You can purchase full or limited tort coverage (for an explanation of this coverage, visit the Insurance Department’s website).
Drunk Driving Statistics
- According to the Century Council, there were a total of 49,103 DUI arrests in 2012.
- Mothers Against Drunk Driving reported 408 drunk driving fatalities, and 11,956 alcohol related crashes, for a total taxpayer subsidy of $2.2 billion.
- Pennsylvania’s DUI laws aren’t as strict as some states, but a first offense can still cost you a $300 fine, required attendance in an alcohol safety school, and up to 6 months of probation.
- Further offenses will require an ignition interlock device installed in order to operate your motor vehicle.
- DUI and uninsured motorist rates have the greatest affect on the states auto insurance rates, which are higher than average.
Call us and speak to a live agent who can guide you through the process, and help you find the best deal for your personal situation.
Or, head over to one of our local pages for more information, and a list of local agents!
