Car Insurance in Narberth, PA

Any driver can be involved in an accident. That is why vehicle owners in Narberth need car insurance. A good auto insurance policy can shield you from facing unmanageable financial losses whether you're in a multi-vehicle collision on the highway, a fender-bender in a parking lot, or anything in between.

Finding affordable coverage is easy with the help of an independent agent. These agents can work with some of the area's best insurance companies as they search for an ideal policy for you and your family. Contact an independent insurance agent near you to start comparing customized car insurance quotes.

How Much Does Car Insurance Cost in Narberth, PA?

The average cost of car insurance in Pennsylvania is similar to the national average. Taking the time to shop around for the best rate can save you hundreds of dollars a year.

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

Of course, an average rate only gives you a general idea of what you might be expected to pay. Premiums can differ significantly from one driver to the next because insurance companies calculate costs according to several factors, such as:

• Your vehicle's make, model, year, and condition
• Your age, occupation, and driving history
• Information about any other licensed drivers in your household
• Your insurance claims history and credit score
• The amount and types of coverage you want to buy
• Whether you opt for full-tort or limited-tort coverage
• Whether you qualify for any offered car insurance discounts
• The size of your deductible

Independent insurance agents can save you time and money by obtaining customized car insurance quotes from multiple carriers on your behalf. That way, you can select the policy that offers the coverage you want at the most affordable price.

Is Car Insurance Required in Narberth, PA?

Pennsylvania requires all vehicle owners in this state to have a car insurance policy that meets or exceeds the state’s minimum coverage requirements. To comply with the law, your policy must include the following coverage:

• Auto liability coverage: This pays for other people’s property damage and injuries if you are at fault for a collision. Your liability coverage must provide at least:
  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability per accident
• First-party medical benefits: This is no-fault coverage that pays for medical expenses like ambulance rides and the treatment of injuries if you or your passengers are hurt in a collision. It serves as your first line of coverage before the at-fault driver (if it is someone else) is assigned financial responsibility. Your policy must provide at least:
  • $5,000 in first-party medical benefits

If you cause a serious collision and your liabilities exceed your policy's coverage limits, you will have to make up the difference out of pocket, so many residents of Narberth opt to purchase car insurance with higher-than-required coverage limits.

By also purchasing an umbrella insurance policy, you can boost your liability coverage even higher.

Some vehicle owners in Narberth also need physical damage coverage. This is not mandatory by law, but it is typically required by dealerships if you are leasing your car, and by lenders if you are financing it.  Physical damage coverage includes:

• Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: This 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.

Once you own your vehicle outright, physical damage coverage is optional.

What Else Does Car Insurance Cover in Narberth, PA?

In addition to the coverage types mentioned above, most insurance companies offer a few coverage options. These typically include things like:

• Uninsured motorist insurance: This covers your injuries and property damage if you are in a collision caused by an uninsured or underinsured driver.
• Towing and roadside assistance: This covers the cost of assistance if your car breaks down and you need to call for help.
• Windshield and glass replacement insurance: This covers the cost of replacing the safety glass in your vehicle's windshield, windows, or sunroof if it is cracked, broken, or otherwise damaged.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event and its assessed value is lower than the amount you still owe for it.
• Rental car reimbursement: This covers the cost of renting a vehicle while you have yours repaired following a covered event.

By reviewing the details and costs of your various options, you can determine whether any available coverage options are of good value to you.

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Should I Buy Full-Tort or Limited-Tort Coverage?

When buying car insurance in Pennsylvania, you must choose between full-tort or limited-tort coverage. Each option has advantages and disadvantages.

• Full-tort coverage: If you are in a collision caused by another driver, full-tort coverage enables you to sue the at-fault driver for both monetary and non-monetary damages.
  • Pros: Full-tort coverage enables you to sue for things like pain and suffering and changes in the quality of your life.
  • Cons: Full-tort coverage is more expensive than limited-tort coverage, and the claims process may take a lot longer.
• Limited-tort coverage: If you are in a collision caused by another driver, limited-tort coverage enables you to sue only for monetary losses such as lost wages and medical bills.
  • Pros: Limited-tort coverage is far less expensive and has a more streamlined claims process.
  • Cons: Limited-tort coverage limits how much compensation you can collect in a liability lawsuit if you are seriously hurt in a collision.

An experienced insurance agent can help you review the fine details of each of your tort options so you can make an informed decision about which is the better choice for you and your family.

What Is the Penalty for Driving without Insurance in Narberth, PA?

If you are caught operating an uninsured vehicle in Pennsylvania, you can face penalties that include:

• Fines starting at $300
• The suspension of your vehicle registration and driver’s license for three months
• Restoration fees totaling about $200 to get your driving privileges back
• The possible impoundment of your vehicle
• Higher car insurance rates

In Pennsylvania, if you have been convicted of uninsured driving, you have the option to pay a $500 civil penalty fee instead of having your vehicle registration suspended for three months. Your driver’s license will still be suspended, but your family members will be able to use the vehicle once it is insured.

The good news is that the rate of uninsured drivers in this state is lower than the national rate.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Pennsylvania drivers who are uninsured: 7.6%

If you are in an accident caused by an uninsured driver and your policy includes uninsured motorist insurance, you can receive the compensation you are due quickly and without going through lengthy legal channels to sue the at-fault driver. Your insurance company will instead take on this burden.

Does Narberth, PA Have a High Auto Theft Rate?

The auto theft rate in the state of Pennsylvania is much lower than the national average rate, and in Narberth, the risk is even lower. Residents of this city report an average of just one auto theft a year.

• National auto theft rate per 1,000 vehicles: 2.29
• Pennsylvania auto theft rate per 1,000 vehicles: 1.02
• Narberth auto theft rate per 1,000 vehicles: 0.23

Though your risk of car theft is very low, you should be aware that you can only be compensated for a stolen vehicle if your auto policy includes comprehensive coverage. This optional insurance can also cover damage caused by a wide range of non-collision hazards like floods and fallen tree branches.

If you are financing or leasing your car, chances are good you have this coverage already. If not, you may want to look into how much it would cost to include this optional coverage in your car insurance policy. That way, you can determine whether or not it is of good value to you.

What Are the Best Car Insurance Companies in Narberth, PA?

The best car insurance companies in Pennsylvania are the ones that have a long and consistent history of providing their policyholders with exceptional customer service, reliable coverage, rapid claims processing, and competitive rates.

Independent insurance agents in the Narberth area have developed partnerships with some of Pennsylvania’s most highly rated insurance companies. When your agent recommends a policy to you, you can trust that it is offered by a provider you can rely on if you need to file a claim.

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

When you are looking for a car insurance policy that satisfies your coverage and budgetary needs, a local independent agent can help. Because they are not tied to a specific insurance company, these agents are free to shop around as they search for the protection you want at a highly competitive price.

It doesn't cost anything to have a consultation with one of these experienced insurance professionals. When you are ready to start comparing a selection of customized car insurance quotes, contact an independent insurance agent in or near Narberth.