Car Insurance in Mount Lebanon, PA

Mount Lebanon is a township in Allegheny County, Pennsylvania. The community has a population of over 34,000 residents.

You must have car insurance if you own a vehicle in Mount Lebanon or anywhere in Pennsylvania. A reliable car insurance policy can protect you from a significant financial burden after a car accident.

Car insurance can sometimes be confusing, but a local independent insurance agent can help you find the best policy for your needs and budget.

What Does Car Insurance Cover in Mount Lebanon, PA?

A car insurance policy in Mount Lebanon, PA, will have several different types of coverage. First, all car insurance policies in Pennsylvania must have minimum liability coverage as required by law.

• Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damage, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you.
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued.

In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:

• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
• Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
• Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent can help you decide which coverage offers the best protection for your needs.

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How Much Does Car Insurance Cost in Mount Lebanon, PA?

Pennsylvania is the 23rd most expensive state for car insurance. Shopping around for the best rate and taking advantage of car insurance discounts can help you save.

• National average annual car insurance cost: $1,311
• Pennsylvania annual car insurance cost: $1,304

Car insurance rates are determined on a case-by-case basis, so you may have to pay more or less than the average for drivers in Mount Lebanon. Some of the factors that insurance companies use to determine how much you should pay include the following:

• Your age, gender, marital status, driving history, and credit score
• The number of cars and drivers in your household
• Your car’s year, make, and model
• The coverage limits and deductibles you choose
• Whether your policy includes comprehensive and collision coverage
• Whether you are bundling your auto insurance with other policies like homeowners insurance or renters insurance

Car insurance bundles are a great way to earn a discount on your Mount Lebanon auto insurance. Most insurance companies also offer various other discounts to help you keep costs down. A local independent insurance agent can help you find the best policy for your needs and maximize your discounts.

Is Car Insurance Required in Mount Lebanon, PA?

Pennsylvania requires every driver to have a minimum amount of auto insurance. The following are the minimum coverage requirements for Mount Lebanon, PA vehicle owners:

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Not required
• Uninsured motorist coverage: Not required
• Underinsured motorist coverage: Not required
• Minimum liability limits: 15/30/5; $15,000 for the injury or death of one person in an accident, $30,000 for the injury or death of more than one person in an accident, and $5,000 for damage to property of another person.

Talk to a local independent agent about the importance of purchasing more than the minimum liability insurance required by the state. If you cause an accident where the cost of damage exceeds your coverage limits, you will have to pay out-of-pocket for whatever you owe to other drivers and whatever it costs to fix your own car.

Car insurance policies with only the minimum coverage can help you pay for minor accidents. If you are in a severe accident, you'll likely be underinsured.

An independent agent can help you decide what coverage limits are best for your family. Your agent can also explain how an umbrella policy can further protect your assets. 

What Are the Best Car Insurance Companies in Mount Lebanon, PA?

Finding the best car insurance companies in Mount Lebanon, PA can be simple. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Mount Lebanon, PA?

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.