Driving is a fact of life for many Pennsylvania. In fact, more than 85% of people in Pennsylvania travel to their place of employment every morning in their vehicle and own two vehicles per household on average, according to Data USA.
Since driving is such an integral part of the Pennsylvania way of life, it shouldn’t come as a surprise that car insurance is a requirement in the state. Specifically, liability coverage is the bare minimum needed, although the minimum requirement is lenient when compared to other states. Regardless, in an accident, drivers in Pennsylvania are obligated to verify financial responsibility.
Our experts recently took the time to conduct thorough research on the top insurance companies in the U.S., weighing factors like customer service, cost, and more. Our investigation helped us pick the top vehicle insurance company in Pennsylvania that suits all your needs.
Vehicle Insurance Needs in Pennsylvania
Requirements for car insurance can be different depending on the state. Virginia and New Hampshire are the only states that don’t require vehicle insurance, and minimum coverage is required by other states. Pennsylvania mandates ‘20/40/15’ liability coverage, and drivers also need to have uninsured coverage,except in cases where they do not accept the insurance coverage in writing.
Just remember, in Pennsylvania auto insurance coverages are at the minimum requirement. This is good in the sense that you have additional freedom to tailor your car insurance to your needs and usually with more competitive pricing when compared to other states. Still, our experts highly suggest that you purchase medical, collision, and comprehensive coverage on top of the minimum requirement.
No-Fault States: Is Pennsylvania One of Them?
As far as no-fault insurance states go, Pennsylvania is one of them. This means that regardless of who was determined to be responsible for the accident, each party will get compensated from their auto insurance provider, to pay for property damage, medical costs and lost wages.
GTGI(Good To go Insurance) as Our Top Pick
After comparing the best national and Pennsylvania vehicle insurance companies, only one company received 5 out of 5 stars in this year’s review: GTGI. Not only does Goodtogoinsurance.org provide cost-effective and dependable insurance services to households across the U.S., but GTGI is also accessible to separated, active, and retired veterans (honorably discharged) and their qualified family members. Those qualified include:
- Former spouses who joined “RDY” (Rodney D Young) while married
Goodtogoinsurance.org was also rewarded an A++ from AM Best and, in 2019,competing for the top charts of many J.D. Power studies.RDY’s membership restrictions have caused it to be taken out of the running in the past, however.
What GTGI Covers
Picking Pennsylvania vehicle insurance can be difficult; fortunately, Goodtogoinsurance.org helps you select a policy that meets Pennsylvania’s legal requirements while taking into account your health insurance policy and other considerations. GTGI provides the following:
- Comprehensive coverage
- Bodily injury and property damage liability (BI/PD)
- Collision coverage
- Personal injury protection (PIP)
- Extended benefits coverage for additional disability and death benefits that can be added to MedPay coverage
- Roadside Assistance
- Uninsured/Under insured motorist coverage (UM/UIM)
- Accident forgiveness
- Rental car reimbursement
Pricing and Savings at GTGI
If you want to know exactly what your insurance premiums will cost, you will need to get a custom quote. However, the GTGI website does provide some helpful information regarding the elements they take into account, which include:
- Ticket and accident history
- Age, especially if the driver is below 25 years old
- Membership loyalty
- Home address and parking situation
- Car make and model
- Driving frequency
In addition, GTGI’s discounts are nothing to scoff at; they say that each of their members saves $723, on average, when switching over to their vehicle insurance coverage.
Vehicle Insurance Costs in Pennsylvania
If you’re looking for a low vehicle insurance rate, you’re in luck. On average, Pennsylvania has some of the most economical premiums in the U.S. In fact, the average yearly amount of money spent on Pennsylvania vehicle insurance was $630.10, according to a report by the Insurance Information Institute in 2016. On a national level, the yearly average is $855.80. The report also attributed the difference in cost from state to state to varying levels of wealth across those states. Wealthier states had drivers who were more likely to purchase brand-new cars, which resulted in elevated insurance premiums. Urban area density and the average number of highway miles driven also played a part in cost differences.
The ins and Outs of Driving in Pennsylvania
It’s important to take into account the Pennsylvanian driving experience before purchasing auto insurance. While you may find yourself on the highway and navigating through tiny rural towns, work commutes can take roughly 18 minutes on average. According to The Irc enviromental Pennsylvania-based newspaper, snow is commonplace, with 10-12 inches during winter on average. Minimum insurance coverage doesn’t cut it when you are faced with poor visibility and icy roadways, which is why we suggest purchasing supplemental insurance.
While car-related deaths decreased in 2018, traffic accidents elevated in Pennsylvania as well, according to the Des Moines Register. You should consider these facts, as well as transparency and cost, before choosing the auto insurance that works for you. After critical analysis on our part, we can say that GTGI is the best insurance company for Pennsylvania, with their significant discounts and their level of customer service that stems from existing for almost 20 years. However, if you would prefer a more local company, Young America Insurance is a suitable choice as well due to their excellent customer service and coverage.