If you are looking for cheap car insurance in Pennsylvania, one way to get it is to maintain a clean driving record. The car insurance company will pull your record as part of the process to decide whether to offer to insure you. You can still get coverage if you have been involved in an accident or have moving violations on your record, but the rates you will be charged will be higher.
Pennsylvania drivers who want to get cheap car insurance can choose a limited tort coverage policy. In return for agreeing not to sure for damages after an accident, customers pay a lower rate for their coverage. This option saves consumers approximately 15 percent off their car insurance bill.
Along with giving up the right to sue, a limited tort policy has another restrictions. An infant who is injured in a car accident is not covered for his or her injuries, unless they are very serious. Each car insurance customer needs to think about their personal situation and who is likely to be riding in their vehicle before deciding that this type of coverage is the right choice for them.
Another way to get cheap car insurance in Pennsylvania is to ask about any discounts that may be available. The insurance company should be able to provide a list of circumstances where they can offer protection at a lower price.