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Auto Insurance

While today’s commercials implore us to shop for auto insurance, based solely on price, for the majority of Pennsylvania drivers, this is the wrong advice. More important than a savings of a couple dollars a month, the important aspect is having the proper coverage for yourself, your vehicles, assets, and future earnings.

We can get you coverage for:

  • Cars
  • Motorcycles
  • Antique and classic vehicles
  • Farm vehicles
  • Loan-lease gap
  • Roadside assistance

In addition to coverage for a wide-range of vehicles and situations we are also familiar with searching our network of insurance carriers for all available discounts, to help save you money. Discounts are often available for:

  • Multi-policy discount
  • Multi-car discount
  • Safe driver 
  • Age 55 or over
  • Passive restraints
  • Anti-theft car device discount
  • Anti-lock brakes

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Understanding Auto Insurance

We understand that choosing the right auto insurance can be a difficult process. In order to help make that process easier we’ve provided some background on understanding auto insurance.

Pennsylvania State Minimum Auto Insurance

Currently, the minimum limits for Pennsylvania auto insurance are $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage. You will often find these numbers listed in shorthand as 15/30/5. While this is the minimum the state requires, there are numerous reasons why your coverage needs to exceed these amounts.

When you take a moment to break down the numbers above, you’ll find that with the state minimum auto insurance, if you were involved in anything more than a small fender-bender you could be placing your personal assets at risk.

Choosing A Deductible

One of the best ways to maximize your coverage while still keeping your payment lower, is by choosing a larger deductible. A deductible is the amount you pay should you have to file a claim. By raising your deductible, a couple hundred dollars or even more you can keep your payments lower, while ensuring you have adequate coverage.

One important thing to note about deductibles. Don’t set your deductible so high that you would be without the money to cover it.

How Does Auto Insurance Work?

Liability: Liability coverage is third party coverage and provides insurance for times when you are at fault. Liability coverage is broken down into two sections bodily injury and property damage. (Liability coverage is what is mandated by the state. You will often find these limits listed as 15/30/5)

Personal Injury Protection (PIP) This type of coverage protects you and your own passengers from injuries. PIP protection can also cover lost wages or essential services that are normally performed by the injured party.

Collision: Covers your car from damage resulting from a collision with another vehicle or object. (One important thing to note about collision insurance is that it does not cover running into an animal such as a deer.)

Comprehensive: Is often called, “other than collision”, and it protects you from damage caused by theft, vandalism, fire, and collisions with deer or another animal.

Uninsured/ Underinsured Motorist (UM/UIM): This optional coverage can be one of the most important you purchase, as it protects you and your family members if you are injured during the course of an accident and the other motorist is without insurance or lacking adequate insurance to pay for you and your families recovery.


Talk to an advisor today. Call National Penn Insurance at 888.723.4900.

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