Driver discounts are available for Pennsylvania residents whose insurance is lower, such as those with a clean driving record. Insurers in Pennsylvania typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. However, drivers in Pennsylvania can choose to sue or be sued after a car accident by excluding themselves from the no-fault system. In Pennsylvania, drivers with just two speeding tickets pay an average of 34% more on their annual car insurance premiums, for example.
If you're a Pennsylvania car insurance policy holder, you're probably like drivers across the country who are always looking for ways to save money on premiums. You can qualify for a discount on car insurance if your family insures two or more cars under a Travelers policy. While actual savings will vary depending on the insurance company, the driver's profile and other factors, you may qualify for several discounts that will significantly reduce your car insurance premiums. You can get a good student discount on car insurance if you're a high school or college student with at least a B grade point average.
When you buy a new car or own a car that's less than three years old, you can qualify for a new car discount. Policyholders with drivers who are fully enrolled in high school or college and who are good students who maintain a “B” average or better may qualify for a discount on car insurance. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 16 percent more than the average premium in Pennsylvania. A good car insurance policy will cover damage to your own car and collisions with uninsured drivers.
Penalties for driving without insurance in Pennsylvania include fines and the suspension of the driver's license and registration. Most Pennsylvania auto insurance companies offer discounts to those who take an approved driver education course or a defensive driving course and to those who demonstrate that they have a history of safe driving. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. Six percent of Pennsylvania drivers don't have car insurance, according to the Insurance Research Council.
You can get discounts on auto insurance in Pennsylvania depending on how you drive, the car you own, and your relationship with your insurance company.