Pennsylvania Insurance

Consumers may avail themselves of numerous online services offering Pennsylvania insurance quotes, which provide lists of customized coverage at substantially-discounted insurance rates. To obtain free insurance quotes in Pennsylvania, applicants generally need only provide their zip code. Sometimes, additional information is requested, such as the vehicle model and state, for those seeking auto insurance quotes. Regardless of the type of quote sought, however, prospective policyholders can complete the process in a matter of minutes. In many cases, individuals may receive a quote and purchase a policy from a Pennsylvania insurance company in less than 20 minutes, either by telephone or online.

The minimum insurance requirements for auto coverage in Pennsylvania are as follows:

• $15,000 in bodily injury liability coverage per individual up to a maximum of $30,000 per accident
• $5000 in property damage liability coverage

This standard coverage is also referred to as 15/30/5.

Pennsylvania insurance agencies are authorized to engage in medical underwriting. This means that carriers may determine, on the basis of an applicant's medical history, whether to 1) provide or deny health insurance coverage and 2) include a waiting period for conditions that are pre-existing in nature. They may also decide the amount to charge the applicant for that particular insurance. Medical insurance requirements are typically far stricter as compared to auto insurance and homeowners insurance coverage policies, but are just as important.