Car insurance is a must-have for any driver in Wilkes Barre, PA. It provides financial protection in case of accidents, theft, or other unexpected events that can damage your vehicle or cause bodily injury. With so many insurance options available, it can be overwhelming to choose the right one for your needs. In this article, we will guide you through the basics of car insurance in Wilkes Barre, PA, and help you make an informed decision.
What Is Car Insurance?
Car insurance is a contract between you and an insurance company that covers your financial responsibility in case of an accident or other damage to your vehicle. The insurance policy can include liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
Liability coverage pays for damages or injuries you cause to others in an accident. Collision coverage pays for damages to your vehicle caused by a collision with another vehicle or object. Comprehensive coverage pays for damages to your vehicle caused by non-collision events, such as theft, vandalism, or natural disasters. Personal injury protection pays for medical expenses and lost wages for you and your passengers. Uninsured/underinsured motorist coverage pays for damages caused by a driver who doesn’t have enough insurance or no insurance at all.
Each state has its own minimum insurance requirements, and in Pennsylvania, drivers must have liability coverage of at least $15,000 per person and $30,000 per accident for bodily injury, and $5,000 for property damage.
Why Do You Need Car Insurance?
Car insurance is required by law in Pennsylvania, but even if it wasn’t, it would still be a wise investment. Accidents can happen at any time, and the costs of medical bills, car repairs, and legal fees can add up quickly. Car insurance provides financial protection and peace of mind, knowing that you are covered in case of an unexpected event.
Moreover, if you have a car loan or lease, the lender or leasing company will require you to have comprehensive and collision coverage to protect their investment. Without insurance, you would be responsible for paying for the damages out of pocket, which could be a significant financial burden.
How to Choose Car Insurance in Wilkes Barre, PA
Choosing the right car insurance in Wilkes Barre, PA can be a daunting task, but it doesn’t have to be. Here are some factors to consider when selecting an insurance policy:
Type of coverage
Think about what types of coverage you need based on your budget, lifestyle, and driving habits. If you have an older car that is not worth much, you may not need comprehensive coverage. If you have a long commute or drive on busy highways, you may want to consider higher liability limits or personal injury protection.
Deductible
The deductible is the amount you pay out of pocket before the insurance company pays for damages. A higher deductible can lower your premiums, but it also means you will have to pay more if you get into an accident. Choose a deductible that you can afford.
Discounts
Many insurance companies offer discounts for safe driving, multiple policies, good grades, and other factors. Ask your insurance agent about available discounts and how you can qualify for them.
Insurance company
Do your research and choose a reputable insurance company that has good customer service, financial stability, and a track record of paying claims fairly and promptly. Read online reviews and ask for recommendations from friends and family.
Where to Find Car Insurance in Wilkes Barre, PA
There are many insurance companies that offer car insurance in Wilkes Barre, PA. You can buy insurance directly from the company, through an insurance agent, or online. Here are some options to consider:
Nationwide
Nationwide is a well-known insurance company that offers a range of coverage options and discounts. You can get a quote online or through a local agent.
Geico
Geico is a popular choice for car insurance, thanks to its low rates and easy online quotes. You can also get coverage for other types of vehicles, such as motorcycles and RVs.
Progressive
Progressive is another top-rated insurance company that offers a variety of coverage options, including pet injury coverage and custom parts and equipment value.
State Farm
State Farm is a well-established insurance company that provides personalized service and a variety of discounts, such as safe driver and multi-policy discounts.
Conclusion
Car insurance is a necessary expense that provides financial protection and peace of mind. When choosing car insurance in Wilkes Barre, PA, consider your budget, driving habits, and coverage needs, and do your research to find a reputable insurance company that offers good customer service and fair claims handling. With the right insurance policy, you can drive with confidence and enjoy the freedom of the open road.
