CLICKinsure is happy to be an insurance broker in Pennsylvania, a culturally diverse state that has served as a central crossroads between the Midwest and East Coast for centuries. Ask a CLICKinsure agent for guidance in setting up an auto insurance plan, whether you live in Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Harrisburg, Altoona, or anywhere else in the magnificent Quaker State. From Lake Erie to the Pennsylvania Railroad, we can assist you comparing the premiums and deductibles of your many insurance options.

Q: What is in a basic Pennsylvania auto insurance policy?
A: A few main kinds of auto insurance coverage will make up your Pennsylvania auto insurance policy:

1. Liability Coverage
   1. Liability insurance, which is divided into two types, considers damage to property and injury to a person as separate concepts:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
   2. Liability coverage is required in Pennsylvania. To legally drive in Pennsylvania you must at least have liability coverage in your auto insurance policy along with possessing a valid driver's license:
      1. "15/30/5" (Pennsylvania's minimum auto insurance requirement)
      2. $15,000 for injury/death to one person.
      3. $30,000 for injury/death to more than one person.
      4. $5,000 for damage to property.
   3. Liability minimums vary for leased vehicles.
2. Collision Coverage is only mandatory if the vehicle is currently financed, and is otherwise optional in a Pennsylvania auto insurance policy
3. Comprehensive Coverage is only mandatory if the vehicle is currently financed. Otherwise, if the vehicle has been paid for, then comprehensive is an optional addition to a Pennsylvania auto insurance policy.
4. Medical Payments Coverage is not a requirement under Pennsylvania auto insurance policy.
5. Uninsured (and Underinsured) Motorist Coverage is an advisable option to include in your Pennsylvania auto insurance policy, but it is not required.
6. Personal Injury Protection (PIP) Coverage is optional for a Pennsylvania auto insurance policy.
7. Other Policy Options
   1. Towing Coverage
   2. Rental Coverage
   3. Loan/Lease Gap Coverage

Q: Is Pennsylvania a No-Fault state?
A: Yes, Pennsylvania is a no-fault state.

Q: How can I get a discount on a Pennsylvania auto insurance policy?
A: You may qualify for ways to save money on your auto insurance policy. Our list of auto insurance discounts can introduce you to the possibilities.

Q: Where can I find more information about Pennsylvania auto insurance?
A: Pennsylvania insurance information can be further researched on the internet:

1. Pennsylvania Insurance Resources
   1. The Pennsylvania Driver and Motor Vehicle Services (DMV) manages driving records, driver's licenses, and many other services for motorists. They also provide Pennsylvania insurance information that explains proof of insurance and state requirements.
   2. The Pennsylvania Department of Insurance provides objective information to all parties involved in the insurance industry.
2. National Insurance Resources