If you're buying auto insurance for the first time in Pennsylvania, you'll likely need to understand the typical types of coverages, limits, and car insurance rates. Your policy should be adequate to cover you, your passengers, your vehicle, and other road users. The Daley Agency also recommends researching your insurance company to ensure you get the best deal in town. If you are looking to learn more about auto insurance, here is what you need to know.
Auto insurance is designed to protect you, your car, your passengers, and other road users in case of an accident. The policy pays for injuries, property damage, and legal fees if you are sued for the same. Most states, including Pennsylvania, require all drivers to have the minimum liability coverage. Once you have the required amount, you can go ahead and buy additional coverages for more protection.
While the law requires you to have minimum liability coverage, you are not fully or adequately protected if you don't consider other coverages in your policy. Remember liability coverage only protects other motorists (the victims of the accident you cause). To protect yourself and your car, you will need extra coverage. You also need to think about theft, damage by disasters, and other perils critically. Auto insurance basic coverages include:
Auto insurance rates vary from one driver to another. Your auto insurance company will ask you several questions to determine your rates and limits based on the coverages you choose. These questions involve specific factors that increase or reduce an accident, fire, or theft risk. Some of the questions to be asked include where you live; your name, age, and driving record; the type, age, body, and engine size of your car, and where you store your vehicle.
Need help buying auto insurance? The Daley Agency has a solution to your auto insurance needs. Feel free to check out our website or call to book an appointment with us.