Auto Insurance in Saint Marys, PA
At Pacelli Insurance, we’re here to help you get the auto insurance coverage you need, no matter where the road takes you. Contact us today for a car insurance quote.
How Much Auto Insurance Do I Need?
Pennsylvania requires all drivers to maintain auto liability and medical benefits coverage.
In addition to this coverage, your agent may ask you to consider the following factors:
- Vehicle value—If you drive a newer or high-value car, consider comprehensive and collision coverage to help protect your investment.
- Driving habits—Those driving frequently or with longer commutes might consider higher coverage limits for enhanced protection.
- Finances—Determine what you could realistically afford to pay out-of-pocket in the event of an accident. If the sum is low, consider higher coverage limits.
- Asset protection—If you own property or have significant savings, getting more coverage is wise. In a severe accident, it’s possible for lawsuit judgments to target personal assets.
How Auto Insurance Works
Understanding auto insurance is your first step to making informed choices.
Basic auto insurance terms include the following:
- Premiums—This is the amount you pay to the insurance company, often monthly or semi-annually, to keep your policy active.
- Deductibles—If you make a claim, the deductible is the amount you pay out-of-pocket before your insurance kicks in. A higher deductible usually means a lower premium and vice versa.
- Claims—In the event of an accident or incident, you contact the insurer, and they open a claim to determine your coverage. Need help filing a claim? CLICK HERE
Contact Pacelli Insurance in Saint Marys, PA, to learn more about your auto insurance options and get a quote.