Auto Insurance Coverage for PA Residents
If you own a vehicle in Pennsylvania, you must carry auto insurance that covers bodily injury and property damage, as well as uninsured and underinsured motorist protection. If you finance your vehicle, the lender will also require you to carry collision and comprehensive coverage to protect its interests. All these coverages, along with others such as tort, loss of income and medical, can get expensive, which is why it pays to shop around and find the best rates.
If you live in Perry, Dauphin or Cumberland County and are in the market for auto insurance, Reisinger Insurance Agency, Inc. can provide the best coverage and the most affordable rates in the area. We’re a family-owned-and-operated agency that opened for business in 1955 — you can count on us for superior vehicle insurance products backed by friendly, personalized service.
We Offer Coverage From Some of the Top Auto Insurance Providers in PA
We’re proud to represent top-rated insurance carriers known for their exceptional products and financial stability. If you (and the other drivers in your household) have an excellent driving record, you may qualify for a policy from Erie Insurance, which traditionally offers some of the lowest auto insurance premiums in PA. We can also help you obtain coverage from other reputable insurers such as Progressive. Our staff will assist you in locating and applying for a policy that meets your needs and budget.
In addition to providing coverage for private passenger autos, we can also insure:
- Pickup trucks
- Recreational vehicles
- Antique automobiles
Minimum Coverage Requirements in PA
If you own a vehicle that is registered in Pennsylvania, you must carry auto insurance — the failure to do so can result in a fine and the suspension of your driver’s license, registration and license plate for up to 90 days. The minimum coverage requirements in PA include:
- Bodily injury liability — $15,000 per person, $30,000 per accident: BI coverage protects you if you are found to be legally responsible for an accident that causes injuries to others.
- Property damage liability — $5,000: PD covers damage costs to another person’s property due to an accident you cause.
- Medical benefits — $5,000: First-party medical benefits pay for medical bills incurred by you and others in your vehicle, regardless of fault.
Please note that these are only the minimum coverage requirements. Depending on your financial situation, it may be advisable to choose higher limits. For example, if you own highly valued assets, you may need to consider higher bodily injury limits to minimize the risk of loss if an injured party sues you successfully.
Other available coverages in PA include:
- Uninsured/underinsured motorist — These are typically sold as two separate coverages, with a minimum of $15,000 per person, $30,000 per occurrence: Provides protection if you’re involved in an accident with a driver who has no or insufficient auto insurance. UM/UIM is automatically included in your policy unless you choose to reject it. If you insure multiple vehicles, you can raise your limits by electing to “stack” coverage. For example, if you insure three vehicles and have $100,000/$300,000 coverage, stacking would increase your limits to $300,000/$900,000.
- Physical damage — Pays for damage to your vehicle. Although not mandated by law, the lienholder will likely require you to carry PD when you finance a vehicle. Physical damage coverage includes a deductible, which is the amount you must pay out of your pocket before the insurance takes effect. Carrying higher deductibles will result in lower premiums. Types of physical damage coverage include:
- Collision — Pays for damages sustained by your vehicle due to a collision with another driver.
- Comprehensive — Covers non-accident-related losses and damage such as theft, vandalism, chipped windshields, etc., as well as damages resulting from collisions with deer and other animals.
- Tort — Tort refers to your right to sue an at-fault party for damages. If you choose the limited-tort option, you are generally limited to recovering your out-of-pocket expenses (non-economic expenses) If you elect full tort, you will pay a higher premium, but you will retain your full right to sue for pain and suffering.
- First-party benefits — In addition to mandatory first-party medical coverage, you can also add optional first-party benefits to your policy. Examples include loss of income, accidental death and funeral expenses. Many policyholders elect to purchase first-party benefits as a combination package.
Before You Buy — Types of Auto Insurance Coverage Available
Understanding what auto insurance covers, as well as various limits available, will make it easier when it comes to shopping for auto insurance. The three parts of an auto policy include:
- Liability: Bodily Injury (BI) and Property Damage (PD), and a few examples of limits for each include:
- Bodily Injury Limits: $50,000/$100,000, $100,000/$300,000, $250,000/$500,000
- Property Damage Limits: $25,000, $50,000, $100,000, $250,000
- First party benefits: Medical (FPM), income (FPI), funeral (FPF) and accidental death (FPA)
- Physical damage: Comprehensive, collision
Pennsylvania has a state minimum limit requirement of BI $15,000/$30,000, PD $5,000 and medical $5,000
When you refer to Reisinger Insurance Agency, Inc., your Erie insurance company, we can provide the following types of auto insurance.
- Liability coverage: Liability pays for any injuries as well as property or vehicle damages to another individual for which you are liable after causing the accident.
- Collision coverage: Collision pays to repair losses to a car or property caused by an accident where no other parties were involved — for example, backing into a stationary object.
- Comprehensive coverage: Comprehensive pays for any losses not caused by a collision, like those from weather, fires, floods.
- Additional coverage: Examples of additional policies include uninsured or underinsured protection, gap insurance, roadside assistance and rental car insurance.
If you’re wondering what will affect your monthly premium payments, take a look at the following factors:
- Age and marital status
- Insurance score
- Driving record
- Amount of driving
- Type of vehicle
- Garage location
- Discounts applied for multi-car and multi-policies, driver-related and vehicle-related credits
How Much Insurance Should I Buy?
Purchase enough insurance to protect your assets, property values, and protect your way of life.
Without auto insurance, you risk the responsibility for harm you may cause to people and property.
You will be financially responsible for the cost of repairing or replacing your car if it’s stolen or damaged.
Types of Insurers to Consider
There are several types of insurers one should be knowledgeable of while shopping for auto insurance. They include:
- Voluntary carrier: Carriers that insure drivers with good records — typically offering better rates.
- Involuntary carrier: Carriers that insure drivers with less than a perfect driving record — usually with higher rates.
No matter which carrier you choose, it’s crucial to check if they have good ratings from A.M. Best Company and J.D. Power.
Information You Need When Shopping for Auto Insurance
Ensuring you are fully prepared ahead of time when shopping for the right car insurance is important. Several critical items you will need for the process include:
- Name and address
- Driver’s license number
- Social security numbers of all drivers who will be on the policy
- Year, make, model and VIN of the vehicles that will be insured
- Driving records of all drivers of the household
- A current copy of your declaration page
A Local Insurance Agency You Can Trust
Here at Reisinger Insurance Agency, Inc. we understand that purchasing auto insurance can be a complicated process, especially when buying a policy online. It’s not always easy to comprehend specific coverages and how they will impact you and your family. We can help you understand the ins and outs of the various policies, endorsements and limits offered by our carriers, providing guidance for every quote and answering any questions you may have throughout the process.
You can trust that as a local auto insurance provider, we can steer you in the right direction. We’ll take the time to ask the appropriate questions and provide you with a clear understanding of your policy so that you know you’re getting the best coverage at the best price.
After you purchase a policy, you should check for the accuracy of the policy once it is issued.
The following items can be used as a guide to ensure an accurate policy has been provided. Check that:
- Your name and address on the policy are correct.
- The year, make, model and VIN of the vehicle insured is correct.
- The limits you requested are accurately noted on the policy.
We always check for accuracy when processing your policy — however, mistakes can happen, and working with a licensed agent allows for a good working team to catch and rectify any mistakes.
As your policy renews, it is always a good idea to call your agency for a review.
- Report any mileage change.
- Review your coverage limits.
- Keep a list of question should they occur.
- A common question is why did my insurance increase or will my insurance decrease as I get older.
We Also Provide Comprehensive Policyholder Support
You may hope you never have to use your auto insurance policy, but if you’re in an accident, you can file a claim quickly and easily by calling us at 717-582-2321. You can also give us a call if you need claims assistance or help with other types of service such as adding a driver, changing a vehicle, paying your bill or increasing or lowering your coverages. You’ll always receive the prompt, courteous service you deserve.
Contact Us for a No-Obligation Auto Insurance Quote Today
If you’re tired of paying too much for auto insurance or dissatisfied with the service you’re getting from your current provider, you need to contact your local insurance experts right away at Reisinger Insurance Agency, Inc.. Our experienced auto insurance agents will help you explore all your coverage options so you can choose the best protection for your needs and budget. Give us a call or fill out and submit our contact form today. You can also contact us for a free quote to help you determine which policy is best for you.
Accidents Happen. We can help.
Your can count on our agents to help you make good decisions about your insurance protection. Did you know that if you’re a safe driver and you have a good driving record, we can work with you to get you a discount on your coverage! Here at Reisinger Insurance, we treat our customers like family.
Contact Us today to get a quote!