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Shopping for Auto Insurance in Pennsylvania
Car insurance companies in Pennsylvania that use credit information in order to give you a rate for auto insurance must provide a disclosure statement to you once an auto insurance application is received. The disclosure will tell you if credit information will be used in giving you a rate for auto insurance. The disclosure should also go over your rights. Some examples of the consumer rights and protections include:

Credit information cannot be the only factor used in the car insurance company’s decision to give you an automobile insurance policy in Pennsylvania.
Auto insurance companies that use credit history to underwriting must disclose how they use the information by filing their insurance credit scoring models with TDI.
These filings must be justified by actuary findings. Car insurance companies cannot charge you higher auto insurance rates if you have little or no credit history.
The auto insurance company must provide you with a telephone number to call when disputing inaccurate or prohibited information.

Shopping for Pennsylvania car insurance quotes online?
Go to to get your customized auto insurance rate quote online. Remember shopping around for Pennsylvania auto insurance could save you hundreds of dollars every year. Since rates can vary from car insurance company to car insurance company it is important to get multiple Pennsylvania auto insurance quotes. With one form, can match you with multiple auto insurance companies in three easy steps. So get started now on your free car insurance quote in Pennsylvania.

Pennsylvania Automobile Insurance Requirements:
Pennsylvania has laws, which require insurance for your vehicle. So if you are involved in an auto accident make sure you have the minimum car insurance coverages because you will be asked to present proof of car insurance for Pennsylvania. Pennsylvania car insurance law requires you to have the following coverage for your car to meet Pennsylvania’s minimum insurance requirements:

Medical Benefits (with a minimum of $5,000 of coverage, higher limits are available)
Bodily Injury Liability (with a minimum coverage of $15,000/$30,000)
Property Damage Liability (with a minimum of $5,000)

The Pennsylvania Automobile Insurance Plan:
These coverages protect the other party when you are found at-fault in an auto insurance accident. You can purchase more coverage to protect you and your car in the event you are at-fault. Some of the other coverages that you may purchase for your Pennsylvania auto insurance policy are:

Collision – pays for damage to your car from an accident
Comprehensive – covers damage from fire, theft and acts of mother nature
Extraordinary Medical Benefits – if your medical bills are to exceed $100,000, due to an automobile accident, this coverage will pay up to $1 million dollars
Funeral Benefit – up to $2,500 if you or a family member dies as a result of an auto accident
Full Tort – gives you full ability to sue the negligent party. It also increases your car insurance premium by a lot. You may want to consider purchasing limited tort to reduce your car insurance costs.
Limited Tort – allows you to recover all medical expenses you paid for and other expenses, however, you cannot get payments for pain and suffering unless your injuries are serious (you can save on your car insurance if you opt for this)
Income Loss – this pays your loss income as a result of you not being able to work while injured
Stacking of UM or UIM – (UM & UIM below) allows you to multiply the coverage based on how many vehicles are on your policy, there are extra costs to stack UM or UIM
Uninsured Motorist (UM) – coverage for you and your family for bodily injury from an uninsured motorist
Underinsured Motorist (UIM) -- coverage for you or your passengers for bodily injury if an at-fault motorist does not have sufficient insurance to cover your claims
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