Pennsylvania

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*

You can also have more than just the minimum coverage.

 

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!

Car Quote

 

Motorcycle Insurance

 

 

The State of Pennsylvania requires that all motorcycle operators carry minimum liability coverage.

It is very similar to car insurance and the state wants you to be secure when riding a bike.

The State of Pennsylvania minimum requirements are:

  • $15,000 bodily injury, $30,000 each accident
  • $5,000 property damage.

 

There are many other options available as well.

Most of the time, the minimum coverage only covers the other party involved.

You will want to be covered for your own medical expenses as well as your own bikes damages.

 

Get the cheap motorcycle insurance Pennsylvania riders need today:

 

  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.
  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts
  • Medical Coverage- this is a must when riding a motorcycle
  • Towing- very useful for when you break down and are left stranded on the side of the road.
  • Uninsured Motorist- when the other party fails to carry insurance, you will still be covered.
  • Roadside Assistance- you can use this for emergencies and even flat tires.

 

If you are ready to purchase great insurance call us today.

You can have a free instant quote within minutes.

 

Cycle Quote

Homeowners Insurance

 

If you are hoping to purchase a home in Pennsylvania, you are making a great investment.

Purchasing a home is not only one of the largest investments you can make, but the scariest.

You will want to protect this investment and know that you are covered correctly.

When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.

Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed.

You will need it insured to pay off the loan on the home and recover damages.

 

Here is what could be covered when you purchase the cheap homeowners insurance Pennsylvania residents need:

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.

 

Do You Want To Save Money?

 

Save money when you purchase insurance coverage for your home.

You can do this by making your home safer.

Add an alarm system or a sprinkler system.

You can add a deadbolt lock for your door and install a better roof.

Any upgrades you make to your home could save you.

Your zip code and credit score are other factors that could save you money.

 

Get the best quote today by calling Cheap Insurance.

Talking to a broker can answer questions you may have an put your mind at ease.

 

Home Quote

 

Life Insurance

 

When you live in Pennsylvania and build a family here, you will want to protect them.

Many amazing families have been living in this great state for generations.

Making sure that your family is financially secure even after you are gone is a big deal.

Giving them protection when you pass is a great gift and will help provide provisions.

You can use life insurance to help pay for funeral expenses, debts and obligations and mortgages.

Life insurance is about planning ahead. It can provide financial security to those you care about, cover medical bills, funeral costs, mortgage, on other living expenses.

If you are the primary provider for others, it can also replace your income for them, or give them money for college or other expenses.

It can even be used to earn a cash value that you can withdraw or borrow against later.

 

What is life insurance?

 

  • Life insurance is a contract. You sign up for a certain amount of life insurance.
  • The Insurance company takes in your premiums monthly.
  • When you pass,  the company pays out what is called a “death benefit” to whoever you leave the money to.Life insurance has a broad range of policies.
  • You can have a very expensive policy or a very cheap life insurance policy.
  • An average term life policy for a 35 year old in good health is around $500 a year for a million dollar benefit.
  • Most commonly you will want a beneficiary of 10-15 times the yearly amount you make.
  • If you gross 100 thousand dollars a year, then your life insurance policy should be anywhere from 1 million to 1.5 million dollars.

 

Call a broker today and give the gift of life insurance for your family.

Have the cheap life insurance Pennsylvania families want today.

 

Life Quote

 

 

Health Insurance

 

Health insurance is mandatory in the United States.

The health insurance rates are reflected by the amount of money you make.

The more money you make, usually the more you insurance will be.

The great part about this is that when your family doesn’t make much money you can still protect the ones you love most.

Health coverage will protect you from illness and even if you don’t see the doctor a lot, when you need to, you will be covered.

Get the cheap health insurance Pennsylvania families need.

The best feeling is to know that if you or a family member are ill, you can help them to feel better.

You can have a doctor who you like at a price you can afford.

 

What is health insurance?

 

  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • Dental coverage is not as widely used as healthcare coverage, but it is still part of the healthcare we need throughout the United States. Find a local Dental School to take care of your smile. They are usually less expensive.
  • Emergency room visits are the most expensive. Try to avoid them. If you can wait to get in with your regular doctor, this is the best solution for saving you money.
  • Be very honest with your health care agent. We want to find the best option that works for you and we need all of the correct information on your health and background.

 

Call today and get the insurance you deserve!

Health Quote

 

Renters Insurance

 

Renting a home in Pennsylvania is just as important as owning one.

Renting a home comes with less responsibility than owning one.

But you will still need to carry renters insurance.

No, it is not the law in the great state of Pennsylvania, but you may still want it.

Renters insurance can protect you and your own belongings. You can protect yourself from theft and liability just like as if you owned the home.

Some landlords won’t have sufficient homeowners insurance and it may not protect you.

 

Why is renters insurance a good idea?

 

  • A landlord’s insurance policy may not cover theft and damages. You will want to have your own. Most landlord’s insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.
  • Renters insurance is a smart idea because the liability you have renting someone else’s house is huge. When people visit or animals come over, there are always things that can go wrong. Especially houses with a swimming pool should really consider liability coverage with your renters insurance.
  • Renters insurance can be very affordable. You could get coverage for as little as $12 a month!
  • Get the cheap renters insurance Pennsylvania tenants need to feel safe.
  • You can purchase is by calling a broker and getting an instant quote.

 

Get your instant quote now and feel better tomorrow!

 

Renters Quote

 

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