Auto Insurance in Allison Park, PA

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How to Choose the Right Car Insurance Plan in Allison Park, PA

If you're looking for a quiet suburb in Allegheny County, Pennsylvania, (PA) you can't go wrong with a new house in Allison Park. Visit neighborhoods such as Burchfield, Anderson and Glades, and look for a job in education or manufacturing. Before you turn off William Finn Highway for the first time, though, make sure that you have the right car insurance in Allison Park. Here's how to pick a plan with one of our brokers at VIU by HUB.

Know What's Required

Whether you drive on smaller roads such as Victoria Drive or Hieber Lane or you spend time on Elfinwild Road and other major streets, you never know when an accident could happen. Pennsylvania requires its drivers to have at least $5,000 of coverage available for property damage liability and $15,000 available for bodily injury liability. You also must have $5,000 of coverage that pays for medical expenses in case you and your passengers get injured. This type of insurance activates when you get in an accident even if you're not at fault. 

Having these kinds of car insurance in Allison Park, PA is legally mandated. If you get pulled over without them, law enforcement can impose several consequences:

  • Suspend your driver's license for three months
  • Suspend your car's registration for three months
  • Impose at least $300 in fines
  • Impound your vehicle

To avoid losing your driving privileges or paying extra fees, reach out to one of our brokers about getting your car insured.

Think About Your Vehicles

When you're applying for car insurance in Allison Park PA, talk to your broker about the different vehicles you own. Each car needs to be on your plan, but they may all affect your premiums differently. For example, if you have a brand-new car that didn't cost too much but has extensive safety features, that car will result in lower premiums because you're less likely to get hurt in an accident. On the other hand, if a new car is very expensive, it costs a lot of money to replace or repair it, so your premiums go up.

During your consultation, ask your first broker if you need to upgrade or repair any of your vehicles to get coverage or lower your premiums. Double-check your contract to make sure you're aware of any mandated maintenance trips.

Identify Your Drivers

You also need to provide your broker with information about all the drivers you want on your plan:

  • Legal names
  • Driver's licenses
  • Addresses
  • Relationships to you
  • Driving records

Most Allison Park, PA insurance plans include your spouse, children, and other dependents. Clarify your plan's allowed drivers with your broker if you have other people living with you.

Like with your car, your premiums vary based on the amount of risk that your drivers pose to your provider for car insurance in Allison Park. If you and your spouse are the only people on your plan and you both have years of experience and clean driving records, your premiums should go down. On the other hand, if you're insuring three drivers who are still in high school and you have a history of moving violations, your premiums will probably go up. Keep in mind that your premiums can change if you add drivers later or are responsible for a lot of accidents.

This information is intended for general informational purposes only and is not intended to constitute legal advice.