Car Insurance in Villanova, PA

Any driver can be involved in an accident. That is why vehicle owners in Villanova need car insurance. A good auto insurance policy can shield you from significant financial losses whether you're in a multi-vehicle collision on I-476, a fender bender in a parking lot, or anything in between

Independent agents make finding affordable coverage easy. 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 Villanova, PA?

The average cost of car insurance in Pennsylvania is similar to the national average. Shopping around for the best rate has the potential to save you hundreds of dollars a year.

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

The average rate mentioned above can only give you a ballpark idea of what you might be expected to pay. Car insurance premiums 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, trim, and value
• Your age, occupation, and driving history
• Information about any other licensed drivers in your household
• Whether you own or rent your home
• Your claims history and credit score
• The amount of liability coverage you want to buy
• Which, if any, coverage options you wish to include in your policy
• Whether you are purchasing full-tort or limited-tort coverage
• 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 and helping you choose the policy that offers the coverage you want at the lowest price.

Is Car Insurance Required in Villanova, PA?

Pennsylvania law mandates that all vehicle owners in this state carry car insurance that meets or exceeds the Commonwealth's minimum coverage requirements. To be compliant with the law, your policy must include the following coverage:

• Liability coverage: This pays for property damage and injuries sustained by other people if you are at fault for a collision. Your liability coverage must include 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 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 need to make up the difference on your own, so many residents of Villanova opt to purchase car insurance with higher-than-required coverage limits. An umbrella insurance policy can boost your coverage even higher.

In addition to the coverage required by law, some vehicle owners in Villanova will also need to include physical damage coverage in their car insurance policies. Dealerships often require this coverage if you are leasing your car, and lenders require it when you are financing.

• Physical damage coverage: This can cover the cost of repairing or replacing your car if it is damaged. It 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 Villanova, PA?

In addition to the coverage types mentioned above, most insurance companies offer various coverage options. These typically include:

• Uninsured motorist insurance: This covers your injuries and property damage if you are in a collision for which an uninsured or underinsured driver is at fault.
• 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.
• Towing and roadside assistance: This covers the cost of assistance if your car breaks down and you need to call for help.
• Glass replacement insurance: This covers the cost of replacing the safety glass in your vehicle's windshield, windows, and sunroof if it is cracked, broken, or damaged.
• 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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What Is the Difference between Full-Tort and Limited-Tort Coverage?

As a Villanova resident, you are required by the Commonwealth of Pennsylvania to choose between full-tort or limited-tort coverage when purchasing your car insurance policy.

• Full-tort coverage: If you are in a collision caused by another driver, full-tort coverage enables you to sue 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 can take 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 that go beyond what your first-party medical benefits can cover.
  • 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 if you are seriously hurt in a collision.

An experienced insurance agent can help you review the pros and cons of each of your tort options so you can make an informed decision about which is a good fit for you and your family.

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

Driving without insurance is illegal in Pennsylvania. If caught, you can face penalties that include:

• Fines starting at $300
• A three-month suspension of your vehicle registration
• A three-month suspension of your driver's license
• Around $200 in restoration fees to get your driving privileges back
• The possible impoundment of your vehicle
• Higher car insurance rates

Uninsured drivers in Pennsylvania have the option to pay a $500 civil penalty fee instead of having their vehicle registration suspended for three months. That way, family members can still use the vehicle once it is insured.

Fortunately, 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 or underinsured driver, that person is responsible for compensating you for any property damage and injuries you may sustain if they go beyond what your collision insurance and first-party medical benefits can cover.

However, collecting this money can often be difficult, if not impossible, especially if the at-fault driver has little in the way of assets.

Uninsured motorist insurance provides a solution to this problem. It ensures that you receive the compensation you are due quickly and without going through lengthy legal channels. Your insurance company will instead take on the burden of collecting what is owed from the uninsured driver.

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

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

Independent insurance agents in Villanova have developed partnerships with some of the area's top-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 Villanova, PA Help Me Find the Best Car Insurance?

If 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 Villanova.