Pennsylvania Auto Insurance Frequently Asked Questions

Why do my car insurance premiums keep increasing?
Do I get a grace period to pay my auto insurance premium?
What if I am found guilty of drunk driving in Pennsylvania?
How do I sign up for the Pennsylvania High Risk Plan?
Can I be canceled for making insurance claims?
What happens if I don’t have automobile insurance?
What if my insurance company doesn't renew or cancels me?
Can my insurance company add a surcharge to my premium?
How can I lower my auto insurance?
What are the Pennsylvania state minimum levels?
Can I exclude my spouse or teenager from my auto insurance?
How do I get my car repairs paid for after an accident?

Why do my car insurance premiums keep increasing? Your auto insurance can go up by adding or increasing coverage, adding vehicles to the policy, buying a newer car, adding another driver, changing the usage of the vehicle to work or business, claims, tickets, increasing mileage driven per year and moving to a higher claim area. Or the company may have been granted a rate increase which are applied to all policyholders with the company.

Do I get a grace period to pay my auto insurance premium? Pennsylvania does not require insurance companies to extend a grace period for premium payments..

What if I am found guilty of drunk driving in Pennsylvania? In Pennsylvania , if you are convicted of driving under the influence, whether or not you take the Accelerated Rehabilitation Disposition Program (ARD), your driver’s license will be suspended. A license suspension is a valid reason for cancellation or non-renewal of your insurance policy.

How do I sign up for the Pennsylvania High Risk Plan? You must be unable to obtain coverage. Contact Pennsylvania ’s Assigned Risk Plan at (401) 946-2800, or toll-free at (800) 477-6146

Can I be canceled for making insurance claims? A Pennsylvania insurance company may non-renew a policy for two or more accidents of certain types within 36 months, when the amount paid in claims for both accidents exceeds the current threshold amount, after the insured pays any applicable deductible.

What happens if I don't have automobile insurance? In Pennsylvania, your driver’s license may be suspended if you operate the vehicle without the required insurance. The DOT can also suspend your vehicle’s registration.

What if my insurance company doesn't renew or cancels me? Pennsylvania law allows companies to cancel or non-renew policies if your driver's license is suspended or revoked or if lied on your policy application. You can submit a statement detailing the reasons you disagree with the action to the Pennsylvania Insurance Department within 30 days of the company’s mailing of the notice.

Can my insurance company add a surcharge to my premium? Yes, if you have moving violations, suspensions or accidents with certain $ thresholds.

How can I lower my auto insurance? Save money on your car insurance by increasing your collision and  comprehensive deductible, opting for a limited tort option, and / or dropping collision and comprehensive coverage on an older car that is paid off. You can also eliminating your uninsured (UM) and underinsured motorist (UIM) coverage but with the amount of non insured drivers in PA, that is not recommended! You can make sure you to not have duplicate UM or UIM coverage in case you have two seperate policies in the household. Refuse the loss of income, or funeral benefit rider. You can opt for the $5,000 medical benefit minimum. Ask about special car insurance discounts offered by your company. Refuse any other optional coverages or riders, and increase your deductibles to the maximum.

What are the Pennsylvania state minimum levels? The minimum required coverage in PA is $5,000 of medical benefits, $15,000 pays for injuries to one person, while the $30,000 in bodily Injury liability total for one accident. The minimum limit is $5,000 of property damage liability.

Can I exclude my spouse or teenager from my auto insurance? The 1st or primary insured can exclude any driver / family member from the policy, IF they can prove they have auto insurance with another company or PA Assigned Risk Plan.

How do I get my car repairs paid for after an accident?