If you haven't had accidents or fines for the past three years, you can get a discount for safe drivers on your car insurance rates in Pennsylvania. 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. In Pennsylvania, drivers with just two speeding tickets pay an average of 34% more on their annual car insurance premiums, for example. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers.
Insurers in Pennsylvania typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. 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. Penalties for driving without insurance in Pennsylvania include fines and driver's license suspension and registration. However, drivers in Pennsylvania can choose to sue or be sued after a car accident by excluding themselves from the no-fault system.
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. This law requires insurance companies to offer a 10% discount on liability and collision insurance for cars or motorcycles if you complete an accident prevention course approved by the New York State Department of Motor Vehicles. The 10 biggest insurance companies offer a good student discount, and the requirements are generally the same among insurers. Just about anyone can get a discount on car insurance in Pennsylvania because most insurance companies make it easy to qualify for a variety of savings.