It is a very unfortunate fact but it is a reality that many American families and many American drivers are bailing out on insurance. A good number of drivers are on the road without insurance. Indeed, many do not see the necessity of driving with insurance. Because many families are facing financial difficulties, many are deciding not to make insurance payments. However, we all know how it really is not safe at all to drive without insurance coverage as accidents can and will happen in the road! The good news is that if you are driving in Pennsylvania there will always be one Erie insurance agency who will be able to give you good car insurance quotes with amazing discounts.
If you would like to shop around for good car insurance rates, then you may want to check out the world wide web. A good Erie insurance agency should be able to give you a really good quote online in just a matter of minutes. If you are shopping for insurance rates online, then make sure to give all the necessary information that will help them determine how high or how low a risk you are as a driver. Often, female drivers are considered less risky. Statistics show that in 2008 there were a total of 197 road accident fatalities in Erie. 76 of these accidents were found to be caused mainly by male drivers, while 33 of these accidents were caused by female drivers.
Also to be considered when computing driving risk factors is the type of car that you drive and where. Erie is generally a safe place to be in but if you are driving a very flashy car in communities with high crime rates and where car theft is high then you might have to pay a bit more for your insurance premiums. This is especially true if you are choosing comprehensive coverage as well as the minimum coverage required by law.
Ask any Erie insurance agency for their rates and at the very least you will be given a quotation that will cover what is required by Pennsylvania state laws. Pennsylvania requires a 15/30/5 coverage. 15 stands for $ 15,000 for the bodily injury liability that your insurance will cover for every individual involved in the accident. 30 stands for $ 30,000 covering bodily injury liability for two individuals involved in every accident. 5 is for $ 5,000 to cover property damages. Of course you can opt for more coverage than what is required by law. You can choose comprehensive coverage. This type of coverage is recommended if you have a really expensive vehicle that will be difficult to replace in case it is severely damaged in an accident or in case it is stolen.
It also is a good idea to check your medical insurance coverage to see how much of the medical bills for the treatment injuries caused in a vehicular accident is actually covered. If you have very minimal or limited health coverage then you may want to include PIP or personal injury protection in your vehicular coverage. Weigh your options carefully. Your Erie insurance agency should be able to assist you well on these matters.