Auto Insurance in Pennsylvania
Buying a new or used car is a major purchase and life decision that needs to be taken seriously. Since a car is a significant investment and personal asset, all drivers need to make sure they are adequately covered by auto insurance. Before opening a new auto insurance policy, West Chester, PA residents need to consider several factors.
Pennsylvania State Requirements
When you are looking for a new auto insurance policy, the first factor to consider is the state requirement. In the State of Pennsylvania, all drivers are required to carry some level of auto insurance. The base requirements in the state requires a driver to carry liability auto insurance of $5,000 for property liability coverage and bodily injury, liability coverage of $15,000 per person and $30,000 per incident, and $5,000 for first party benefits medical coverage. Unlike many other states, Pennsylvania also requires a driver to carry additional insurance to cover either uninsured or underinsured drivers. However, the state does allow drivers to appeal the need for this additional requirement. For information on Delaware state requirements, please contact one of our agents.
Additional Coverage to Consider
While most drivers are only legally obligated to carry minimum liability coverage amounts, in most situations it would be a smart idea for a driver to take additional levels of coverage as well. Most drivers should also consider carrying comprehensive and collision coverage. These levels of coverage will provide you with protection in the event your car is damaged in an accident in which you are at fault, your car is stolen or vandalized, or if the at-fault party in the crash does not have adequate insurance.
If you drive a car in the West Chester, PA area and would like to know about your insurance requirements and needs, it would be beneficial to reach out to Keystone State Insurance immediately. Keystone State Insurance is a leading provider of auto insurance to drivers in Pennsylvania and can provide you with a full consultation on your insurance needs and even provide you with a quote. Also, if you cannot make it to our office, try our online rating tool for quotes on auto and home insurance.