Auto Insurance Information
Car Insurance Quote
Owning and driving a car costs money, and it also poses its fair share of security risks. Whether you are parked in your driveway or traveling down the interstate, you and your car face potential hazards that could lead to a big financial hit if problems occur. To protect yourself, then you need to have handy a personalized car insurance policy.
First Party Medical Benefits - $5,000
Here at Ronallo Insurance Group, we are specialists in helping residents of Elizabeth, Pittsburgh and greater Allegheny County find right the auto policy with minimal hassle. We offer numerous coverage options that will help policyholders optimally insure their vehicles. Your coverage will work with you flexibly without posing an excessive cost burden.
To learn more or to get your no-obligation quote, call us at (412) 384-7191 or apply online now.
Common Auto Insurance Questions
How does car insurance work in Pennsylvania?
Car insurance is a guarantee of financial assistance for drivers who experience wrecks, vehicle theft, accident lawsuits or other hazards. You pay your insurance company a regular premium for your coverage. In return, they will help you pay costs of unexpected driving mishaps and vehicle damage. It’s a great benefit because it reduces the chances of an accident putting you in an unstable financial position.
What is the minimum Pennsylvania car insurance?
Because car insurance is so important to driver security, most states require drivers to buy coverage. Drivers registered in Pennsylvania must buy at least the following coverage:
If you get hurt in a wreck, medical benefits will pay your medical bills regardless of whether a wreck was your fault or someone else's. It can cover every driver on your policy and passengers traveling with you.
Bodily Injury Liability Coverage - $15,000 per person/$30,000 per accident
If you are at fault for a wreck, then this coverage allows other parties, like other drivers, to cover their medical costs and other expenses. Under the minimum policy, each injured person can file for up to $15,000 in compensation. However, the policy will only pay a maximum of $30,000 per accident.
Property Damage Liability Coverage - $5,000
When an accident is your fault, you might damage a third party’s vehicle or other property. Property damage liability insurance pays for the necessary repairs or replacement.
Full Tort or Partial Tort Policies
Pennsylvania uses a hybrid system to determine fault in car wrecks. All drivers must choose whether they want a Full Tort or Limited Tort policy upon enrollment. When you choose a Limited Tort policy, the policy restricts the types and amounts of injury costs you can recover from a liability claim against someone else.
Remember, these are only the minimum limits, so you can increase them. Most policies offer these split limits. However, you can also satisfy requirements by buying at least a $35,000 combined single limit (CSL) policy.
Should I buy other coverage?
The minimum required coverage won’t apply to every type of damage or loss you or your car experience. We highly encourage our drivers to invest in optional coverage. By buying more coverage, you have a better ability to respond to accident losses without digging into your own pockets.
Uninsured/Underinsured Motorist Coverage
Another driver might be at fault for an accident, but they might lack liability insurance to compensate you for your injuries. Pennsylvania policies automatically offer this coverage. However, you can choose to reject it. We recommend you carry it because it allows you to make a claim on your own policy when someone else cannot help.
Your liability insurance will not pay for your own vehicle damage if you have a wreck. Collision insurance is optional coverage that you need if you want this benefit.
Fires, vandalism, theft, falling objects, hail or other non-wreck hazards might damage or total your car. Comprehensive coverage pays for this damage. It can also cover damage if you hit an animal.
Excess Medical Payments Coverage
Though you must buy First Party Medical Benefits, you can add extra coverage to your policy.
Additionally, other perks can provide more specialized coverage, such as:
Gap/Loan Payoff Insurance
Rental Car Reimbursement
Loss of Income
How much is car insurance in Pennsylvania?
The average cost of a full coverage auto policy in Pennsylvania is just over $2,000 per year. However, your premium will vary based on the risks the insurer assumes by covering you.
For example, if you buy more coverage, then you will have to pay more because a claim might cost the insurer more money. Other factors that can influence your rates include:
Your age and years licensed
Whether you have always maintained car insurance
The value of your vehicle
Accident and claim risks in your community
However, you can often save money through a variety of discounts and payment plans.
Does insurance follow the car or driver?
Auto insurance issued in your name will apply all coverage to you and the insured vehicle. However, when the parties split, coverage might differ.
Collision and comprehensive coverage apply to only a vehicle listed on your policy.
Liability insurance will cover you while you drive your car and might apply when you drive someone else’s car. However, that person’s policy might also apply.
Medical payments coverage applies both if you drive your car or another vehicle.
If you give someone permission to use your car, then your policy will apply fully to them. However, if this is a family member who drives your car regularly, then you might need to list them on your policy.