Pretzel Capitol Of The World
Reading, Pennsylvania is a unique community and the 5th largest town in Pennsylvania.
Known as the “Pretzel Capitol of The World” as well as “Baseball Town”, it is truly an All-American city.
Families love living here for the simplicity and family-friendly atmosphere.
With only around 87 thousand residents, Reading is a small town community but has the benefits of a great economy.
Reading is a large railroad town and is even mentioned in the famous Monopoly game.
This lovely town also has a large amount of biking trails and has become known for a cycling destination.
Families raise families here for the down to earth nature of the community.
There is great restaurants and attractions here.
Visit the Blue Marsh Recreational area where you can fish, swim and enjoy nature.
There are many places to hike and get to know nature.
You are closer to nature than a city atmosphere in many ways when living in Reading.
Many people choose to live in Reading for the small town atmosphere.
It can be very snowy and cold in the winters and hot and humid in the summers but spring and fall are flawless.
Some people commute and drive their families around and they need car insurance.
Others move to Reading to purchase a home at a reasonable rate.
They need homeowners insurance.
Whatever your situation, you need the cheap insurance Reading residents want.
Quick facts about Reading:
- The main transportation corridor between Central and Eastern Pennsylvania goes through reading. This means the city sees a large amount of shipping traffic which can increase the rate of auto accidents.
- The city also has a high rate of uninsured drivers, so be sure to consider purchasing uninsured motorist coverage if you don’t already have it.
- There are over 20 bus routes throughout the city, connecting downtown Reading to the surrounding neighborhoods. Commuters who utilize the system usually put less annual miles on their car which can help lower their rates.
- Crime reached a peak in 2004, but new initiatives and crime-fighting techniques have helped significantly. Auto thefts went from 1,143 in 2004 to only 536 in 2012. While that rate is still fairly high, it’s a huge improvement and has helped lower the rates for comprehensive coverage in the city.
How Do I Get Insurance In Reading?
If you are looking for some amazing insurance at lower rates, you need to talk with a broker.
A broker is someone who knows about the laws of insurance in your particular state and can help you.
When you go about purchasing insurance, it is good to have a broker who has many resources.
Most brokers have hundreds of insurance providers in their network and this is how they can save you money.
Compare and contrast insurance policies.
Ask your broker about discounts you could qualify for.
Sometimes, getting a discounts means making your house more secure.
Know the laws of your state and understand what amount of insurance you will need.
If you need insurance, make sure that you know how to bundle and that bundling can save you money.
Understanding how the process of insurance works, the better.
How much protection do you need and can you afford it?
Make sure that you have a budget in mind.
Be very honest with your broker so that they can find you the best policy possible.
Let’s see what kind of insurance policies you might be looking for..
Insurance Requirements Reading
Car Insurance
Car insurance is mandatory in the state of Pennsylvania.
You need it anytime you own a car and want to drive it.
You will also need to attain a current drivers license and registration for that vehicle, in order to drive.
Get the cheap car insurance Reading drivers want.
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*
You can also have more than just the minimum coverage.
If you want full coverage, you will need to also attain collision and comprehensive coverage.
There are many ways to save money
- Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
- Marital discounts
- Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
- Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
- Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
- Association discounts
- Education discounts
- Occupation discounts- Depending on what kind of job you have and how far you need to commute for that job could make a difference in your policy choice and price.
- Excess vehicle discounts
- Mileage discounts- Keeping low miles on your vehicle should keep your premiums lower.