Chester Car Insurance

Your Complete Guide to Chester, PA, Car Insurance

(And how to find a local expert)

Chester is the oldest city in Pennsylvania. Established in 1681 and located on the Delaware River's western bank, this is a historic place. 

If you're among the 34,077 residents and drive a car, you'll want protection. An independent insurance agent can access multiple carriers, giving you options. Connect with a local expert today.

The Cost of Car Insurance in Chester, PA

Your exact car insurance costs will have to be determined by a quote. Since each policy is personalized, there is no way to know the price until the numbers are run. Let's take a glance at what carriers look for:

  • Your location
  • Claims history
  • Coverage selected
  • Discounts that may apply
  • Local crime rates
  • Your credit score
  • Your motor vehicle records (MVRs)

The carriers determine rates with specific criteria, as you can see. Your coverage may result in a higher or lower premium than your neighbor's because it's unique to you. Connect with a Chester independent agent to get quotes. 

Auto Insurance Requirements in Chester, PA

Your city of Chester, PA, has minimum requirements to use the roadways. Each driver is mandated by local law to carry the state minimum limits of liability. Let's look at the facts:

  • Minimum requirements in Chester, PA: $15,000 per person/ $30,000 per accident/ $5,000 property damage

Auto liability explained:

  • Bodily injury liability: This will pay for the other driver's injuries when you're at fault.
  • Property damage liability: This will pay to replace or repair damaged property when you're at fault.  

Similar to requiring workers' compensation insurance, Chester, PA, obligates every driver to have coverage. If you're found lacking insurance, you could be fined or face severe penalties. Discuss your auto policy with an independent agent. 

Why Uninsured Motorists Coverage Is Necessary for Chester, PA

Uninsured/underinsured motorists or UM/UIM insurance will provide coverage when the other driver does not have insurance. When you're involved in an accident, your finances could take a hit without proper UM/UIM coverage. Let's look at the percentage of uninsured drivers:

  • National average: 13%
  • Pennsylvania average: 7.6%

Pennsylvania does not require UM/UIM insurance, but your independent agent will likely recommend it. Whether you own an SUV or an RV, you'll want UM/UIM to be adequately insured.

Theft Rates in Chester, PA

Theft will play a part in your insurance premiums. The more crime in an area, the more expensive your coverage is. Let's look at the average theft rates per 100,000 people:

  • National average: 228.9
  • Pennsylvania average: 102.4
  • Chester average: 513.4

Local crime will impact your car insurance costs, just like your home insurance. To get the most affordable rates, you'll need to compare pricing. Connect with a Chester independent agent to start.

Optional Auto Coverages in Chester, PA

When it comes to your car policy, you have options. Like umbrella insurance, these limits are a choice. If you want to have coverage for your vehicles and other property, consider some of these:

  • Comprehensive coverage: This will replace or repair your car if damage occurs when struck by an object or animal.
  • Tow coverage: This will pay for the tow of a covered vehicle.
  • Collision coverage: This will replace or repair your vehicle when a crash occurs.
  • Rental coverage: This will pay for a rental car while your covered auto is in the shop or replaced.
  • Gap coverage: This will pay for the difference between the amount left on your auto loan and your car's value when a loss happens.

While these coverages are not mandatory, your adviser may suggest them. If you want to have insurance to protect your assets, optional coverage is good to have. Speak with a Chester independent agent further on additional car insurance.

What if You Drive for Amazon in Chester, PA?

Whether you want to make some extra cash on the side, or it's your full-time gig, using your vehicle for business use can be tricky. A personal auto policy will exclude coverage when you are a livery-for-hire driver.

Your agent will recommend a commercial vehicle policy to be adequately insured. This will account for your business exposure as a delivery driver. Discuss your commercial insurance with a local independent agent today.

Connect with a Chester, PA Independent Insurance Agent

If you work with an independent insurance agent in Chester, PA, you'll have options. Since they have access to multiple carriers, your coverage will be sufficient and budget-friendly.

To get started, connect with a local expert on TrustedChoice.com. They have an entire network full of independent agents who can help. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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https://www.city-data.com/city/Chester-Pennsylvania.html

https://www.chesco.org/892/Facts-About-Chester-County