Hi, my name is Brian Stevens. I am a former insurance agent and financial consultant and I am going to show you how to get the best Pennsylvania auto insurance rates with the best companies.
In order to drive your car in Pennsylvania, the minimum amount of auto insurance you need is number one: $15,000 worth of bodily injury liability coverage for one person and $30,000 coverage for two or more people. This pays for your legal fees and claims made against you if your car kills or injures one or more persons.
And number two, $5,000 property damage liability coverage. This pays for your legal fees and claims made against you if your car damages someone else’s property. In order to adequately protect yourself if you have an accident, you may want to purchase the following coverage in addition to bodily injury and property damage coverage.
Collision coverage pays for repairs to your car no matter who is at fault when you are involved in an accident.
Comprehensive coverage pays for repairs to your car from damage caused by theft, vandalism, storms and causes other than an accident.
Uninsured motorist coverage pays for cost to the injuries or properties damaged to you, your family or your passengers by an under insured, uninsured or hit-and-run driver and personal injury protection coverage pays your medical expenses and your passengers’ medical expenses when you are involved in an accident. It also pays for you and your family’s medical costs if you are in an accident in someone else’s car or when you are working.
To get the best price on any thing, you need to comparison shop and the same holds true for auto insurance. To get a cheap auto insurance rate, go to an insurance comparison web site where you can get quotes from a number of auto insurance companies. Get at least three quotes then compare them and choose the best one.
The better insurance comparison sites have a toll-free number and a chat feature where you can talk to an insurance expert to get answers to any questions you may have. The best way to get the best rate on Pennsylvania auto insurance is the comparison shop and the easiest way to do that is to get quotes from an insurance comparison web site. It is quick, it is easy and it is free.
Visit lowerratequotes.com to get auto insurance quotes from top rated companies and see how much you can save. You can get more insurance tips from their article section and get answers to your questions plus get advice on how to lower your premium from an insurance expert by using their online chat service. Just enter lowerratequotes.com in your internet browser or if you are on YouTube or Medicafe, you can click on the lower rate quotes link to the right or the bottom of this video.
Transcription by:
Scribe4you Transcription Services