Explanation of the Different Kind of Auto Insurance Policies

The overwhelming majority of auto insurance companies offer an extensive range of additional
coverage features, but none of these are required as part of Pennsylvania state
law. These items are only offered as optional extras, but should be considered
by vehicle owners with cars that have a high market value or loans secured upon
them.

Collision
coverage pays for the cost of repairs to the vehicle of the policyholder, even
if they are found to be at fault in a road traffic accident. In most instances,
a deductible figure will be applied to collision coverage, and this means that
the policyholder will be responsible for a predefined amount of the repair
costs before the auto insurance company has to make a contribution. If you are
the owner of an older car with a low market value, collision coverage can
usually be waived. Auto insurance companies will only pay out to the current
market value of a vehicle as described in Kelley’s Blue Book, and purchasing
collision coverage for an older car rarely proves to be cost-effective.
Collision coverage only pays for accident-related damage.

Comprehensive
auto insurance is also optional, but it guarantees a cash settlement if a
vehicle is written off after a non-accident incident, or covers the cost of
repairs if the vehicle can be restored without exceeding it’s current market
value. There are many reasons why comprehensive auto insurance should be
purchased, but two of the most important factors to consider are fire and
theft. Individuals with a vehicle that has a relatively high market value
should always consider comprehensive auto insurance if they live in
high-density urban areas with significant rates of crime. Comprehensive auto
insurance also pays for the cost of repairs if a vehicle is damaged because of
adverse weather conditions including hailstones and flooding.

Residents of
Pennsylvania who live in highly populated areas should always consider
uninsured and underinsured motorist coverage. The growing number of road users
who choose to ignore their legal responsibility of purchasing auto insurance
have created a new menace on Pennsylvanian state roads and highways. In many
instances, an at-fault driver without auto insurance coverage either drives
away from an accident, or has insufficient financial means to pay for their
liabilities personally. Because of the increasing problems that surround
uninsured and underinsured drivers, UM/UIM coverage is becoming increasingly
popular as a ‘smart’ auto insurance addition.

Where to Purchase Pennsylvania Auto
Insurance

Price comparison
websites remain as the best means of finding cheap auto insurance. At Promiga,
we work in unison with industry giants such as Geico and State Farm to bring
you unbeatable coverage at the best price. We never charge fees or commissions
for our services, and never pressure you into making a purchase. All of our
online auto insurance quotes are available without having to divulge sensitive
personal information, and we never pester our customers with annoying follow-up
phone calls or junk mail.