Auto Insurance Requirements in Scranton, PA

Anyone who wishes to drive a vehicle in the State of Pennsylvania must have insurance coverage. There is a minimum amount of coverage that all drivers must carry, for liability, bodily injury, property damage liability, and personal injury. Proof of insurance must be carried at all times. If a driver is pulled over and is not able to produce a valid card, they can be subjected to fines. If a person is stopped for a moving violation and is found to be driving without any coverage, the minimum fine is $300, and there is the possibility of registration suspension, driver’s license suspension, and the fees to restore both, as well as possible vehicle impoundment fees.

Auto insurance requirements in Scranton, PA state that all drivers must have a minimum of $15,000 in bodily injury coverage per injured person with a cap of $30,000 per accident, $5,000 in property damage coverage, and $5,000 in personal injury protection (PIP). If one is renting a car, they must also carry a certain amount of coverage. Most policies include coverage for vehicle rentals, but it is important to check to be sure. If there is no coverage through one’s insurance company or credit cards, they must purchase that coverage from the rental company, at a cost of around $7 to $14 per day.

One’s personal credit history can affect the rates they will pay for their required coverage. Providers can legally set rates according to a person’s credit history. They can also use this report to decide how the client will be making monthly or quarterly payments, or if they must pay for their coverage up front. Poor credit equates to an insurance risk. This is just one more great reason to make sure that bills are always paid on time and that a good credit record is maintained.

When searching for the best rates for auto insurance Scranton PA, remember that the providers take many things into consideration, including credit history, age, driving history, gender, the make and model of the vehicle, where the applicant lives, and how often they drive.

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