It may seem like the price of everything is going up, but you can still find your way to the cheapest insurance in Pennsylvania. All over the state, from Philadelphia to Pittsburgh, Allentown to Harrisburg, many people have found that there are a number of ways to lower their insurance premiums and find the cheapest car insurance rates in PA.

In Pennsylvania, there is a Tort system that actually has a twist. You can choose different tort options that will define your rights to sorts of compensation if another party injures either your family or you in an accident. You get to choose either Limited Tort or Full Tort, however, going with Full Tort means that you have more rights to receive financial compensation than you would under limited. This does also mean, though that going without insurance is not only illegal, but it’s not very wise. So, your best option in being able to drive legally and protected is in finding the cheapest car insurance in Pennsylvania.

The state law actually requires a basic coverage of 15/30/5, so, now that you know the basics, let’s have a look at how to lower your rates to get the cheapest car insurance in PA.

Shop carefully, comparison shop to find the right rates for you. Before you get started, consider doing this well before your current policy is set to expire. This looks much better to the future insurance providers, and can often bring a discount on its own. As you do shop, obtain at least three different quotes from three different providers. Pay attention not only to the price, but the coverages, discounts and how well the customer service is handled. Shopping around is usually the best way to ensure that you are getting the cheapest car insurance in Pennsylvania.

Another way to get a lower rate leading up to getting the cheapest car insurance in PA is in your deductibles. Your deductible is the amount of money you’ll need to pay before the insurance company begins paying their end. First, many companies now offer specialized discounts where years without accidents add up to lowered deductibles, but, to save on your rates, consider raising your deductible. Keep an emergency fund set aside just in case, but even if you simply double your deductible from $250 to $500, you could see an astonishing rate reduction in your premium of up to 30%. Raise it even further, to $1k, and you could see a 40% reduction. Now, that’s a smart way to move towards the cheapest car insurance in Pennsylvania.

Yet another consideration comes when you’re looking for a new vehicle. Sure, that classic Shelby Cobra might look great and it might appeal to your more daring side, but look out, the insurance is going to really get you. High profile cars are notorious for having high insurance premiums for two simple reasons: 1. people tend to want to steal them, and 2. people who buy cars that can go very fast, often do. If you want to have the cheapest car insurance in Pennsylvania, steer clear of these insurance premium hogs.