Looking for the best rates on car insurance in Pennsylvania? Money is tight for many consumers these days and finding a great deal on car insurance can be a challenge. With so many automobile insurance companies all competing for your business there is a great opportunity to save money on your car insurance. Pennsylvania car insurance rates can vary quite a bit from one insurance company to another so it pays to shop around and do some comparison shopping.

The first thing you need to do to get the best rate on car insurance is to evaluate your automobile insurance needs. Identifying what Pennsylvania state law requires that you carry, is a good start. But if you’re not sure what is required by law you can check with the state’s department of insurance website. They issue these guidelines in a way that is easily understood by even the layperson. These state financial standards are also a good starting point to ask any potential insurance agent questions about possible policy discounts that you may qualify for.

If you own and operate a vehicle in Pennsylvania you must have liability insurance. This type of insurance ensures that if you cause an accident that either another person or property is damaged. It also provides coverage for any legal costs that may be incurred in a court case as a result of a car accident. There are different levels of liability insurance that you can purchase. The minimum amount required is $15,000 for property damage and $30,000 for person injury per accident.

You can also purchase medical payments insurance. This provides coverage for anyone who suffers medical injuries as a result of a car accident. It also covers any passenger that is in your vehicle. Pennsylvania is one of the only states that offers uninsured driver insurance as a part of its automobile insurance policy. This coverage protects you if you are involved in an accident with a driver who doesn’t have adequate car insurance coverage.

In addition to all the above coverages you can purchase coverage for yourself, your family or friends. These can be extremely useful in the event of a worst case car accident where you or a loved one is injured. Pennsylvania law requires that these coverages are carried at all times. Even if you have to purchase these separately, it’s highly recommended that you do so. Such minimum coverage requirements are fairly low and give you good protection if you are unfortunate enough to be involved in a serious car accident.

Pennsylvania state law also requires a minimum of $5,000 worth of property damage coverage. This is a reasonable level of coverage to be considered in all areas. It does not matter where you live in the state of Pennsylvania you will be required to have property damage liability coverage at the very minimum. This coverage will also pay for any damages that your car may incur as a result of hitting an animal, road sign etc.

In order to maintain your registration and your license you will be required to have a minimum of $15,000 worth of bodily injury liability coverage per person. You will also be required to have at least $30,000 coverage for each accident you have. Bear in mind that these are just the minimums required by Pennsylvania state law. You still could be financially liable for any costs above your policy limits if you have a curtain or Pat Wheeler tat is found to be attached to your vehicle. Therefore you should look into additional coverage to protect your assets.