Understanding the details of car insurance coverage in Pennsylvania can be a tricky endeavor, especially when there are so many myths and misconceptions swirling around. Unfortunately, these stories often steer drivers wrong and prevent them from getting the care they need after an accident.
To help clarify some widespread misunderstandings on this subject matter, let’s take a look at six common myths about car insurance in Pennsylvania – plus the truth that lies beneath each one.
1. You don't need insurance if you have a good driving record
When it comes to car insurance, there's a common misconception that if you're a safe driver, you don't need to worry about getting coverage. But in reality, driving without insurance can cause serious trouble down the line.
For starters, if you are involved in an accident, not having car insurance could bring hefty fees and fines along with the required repairs and other costs that come along with it.
On top of that, uninsured drivers who are found liable for an accident can be charged with a misdemeanor in most states.
So while it may seem attractive at first glance to go without insurance if you have a good driving record, the risks simply outweigh any potential short-term benefit. Don't be caught off-guard - stay insured!
2. Your credit score doesn't affect your car insurance rates
Your credit score is a powerful tool that can either benefit you or work against you in terms of costs for car insurance. While it may be easy to say that your credit score doesn't affect your car insurance rates, the truth is it very much does.
Your credit score is one factor that can influence how much money you spend on car insurance, making it an important figure when calculating costs.
What other factors impact my car insurance rates?
Deciding on the right car insurance is a daunting task, with numerous factors that can impact your rate. Not only must you decide between coverage options and limits, but a range of other elements can affect how much you’ll be paying in premiums each year.
Here’s an overview of the variables that insurers take into account when calculating your annual car insurance costs:
1. Your age
2. Your driving record
3. The make and model of your car
4. How often do you drive your car
5. Where do you live
6. What type of insurance coverage do you have
So, if you're looking to save some money, it's good to know what impacts your car insurance rates and take proactive steps to ensure that your financial record looks good. It's one way you can drive safely without breaking the bank.
3. If you can’t afford car insurance, then it’s okay. You don’t have to be covered on the road
If you're a driver in Pennsylvania, even if you’re just visiting on a day trip, staying compliant with the law just got a lot simpler. Pennsylvania law requires all drivers to have car insurance, which means additional peace of mind for those on the road.
With the right policy, you can be sure that if an unfortunate incident occurs, you'll have access to the necessary coverage and won't be out of pocket.
If you can’t afford car insurance, then what do you do?
Pennsylvania requires that all drivers have at least 15/30/5 in liability insurance and personal injury protection coverage. It's a dangerous game to be without coverage, as an accident could lead to a minimum fine of $300.
Thankfully, alternative options exist for those unable to afford the cost of a traditional car insurance policy:
Along with programs offering affordable policies such as low-cost public or private transportation services, there's also short-term coverage – often just enough time to get your finances in order so you can purchase a long-term policy.
Finding alternatives that fit your needs may seem overwhelming, but it's much better than driving illegally and risking potential financial hardship by choosing not to have any form of coverage at all.
4. Your car insurance policy is a contract that you’re bound to
Have you been wanting to ditch your car insurance? You may have thought that it would be difficult or complex to make the change, but you can actually cancel your coverage at any time and receive your prepaid money back. That's right - you could be enjoying full freedom from a burdensome policy in no time!
Ending coverage with a major insurer is simpler than ever before, allowing you to enjoy the open roads without worrying about having appropriate coverage anymore. So why wait? Get ready to take control of your car insurance today.
5. All car insurance companies are the same
Every car insurance company is unique, offering a range of different coverage options, rates, and other services. By shopping around and comparing the different companies out there, you can find one that fits your needs best and can provide you with the most comprehensive coverage at an affordable rate.
You should also take advantage of any discounts you may qualify for, such as good driver or multi-policy discounts - this can help to keep your car insurance costs even lower.
What to look for in a good car insurance company
When it comes to car insurance, you want to make sure you are getting the best coverage possible - that’s why it is important to pick a quality car insurance company. You will want to look for an insurer that delivers good customer service and has some options when it comes to selecting coverage.
It is also handy if they have quick response times in terms of making claims, processing payments, and answering any questions that may arise. It can be even more reassuring if the company can provide discounts when applicable and preferably have an online presence for easy access and management of your policy.
If you take the time to shop around for a good insurance company, you should find yourself with a plan that suits your needs and provides reliable protection whenever you drive.
6. You can't get car insurance if you have a DUI on your record
There's no denying that a DUI on your driving record is a serious offense and can have long-term consequences for your driving privileges, but one benefit of modern technology is that you don't have to be left out in the cold when it comes to getting car insurance.
Contrary to popular belief, you can still get car insurance if you have a DUI on your record. All it takes is an understanding of what kind of coverage you need and the willingness to shop around for the best rates.
No company will penalize you unnecessarily; as always, what matters most are the numbers and facts included in your application.
What happens to your car insurance rates if you have a DUI on your record
If you've been unfortunate enough to receive a DUI, you probably already know the consequences: hefty fines and possibly even jail time. An added consequence is a shocking increase in your car insurance rates.
A DUI stays on your record for a long time and because of this, your insurance company will place you in a much higher risk category which will likely require that you spend significantly more on premiums than you did previously.
On top of this, it may be difficult to find an insurance company at all that will accept a driver with a DUI on their record. Fortunately, if you can show that some years have passed since the incident occurred without further instances of bad driving behavior then your rates could potentially decrease.
Final Thoughts
So whether you’re just visiting Pennsylvania for the day, or you’re a permanent resident of the state, car insurance is essential for all drivers, and it's important to make sure you have the right coverage for your needs. Your credit score can impact car insurance rates, but there are still ways you can save money.
Similarly, if you cannot afford car insurance or need to cancel a policy, there are options available for you. Don’t assume that all car insurance companies are the same - do your research to find the best coverage for you.
And if you have a DUI on your record, don’t worry - there is still room to get car insurance. With the right knowledge and understanding, anyone can find an affordable policy that meets their needs.
