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Finding cheap car insurance in Bethlehem, Pennsylvania isn’t easy. Crunching the numbers offered by dozens of providers can take hours. Our team has done the legwork to speed up your search by comparing data from several top carriers in the area.
Cheapest Car Insurance Companies in Bethlehem
|Cheapest Insurer||Driver Category|
|Liberty Mutual||Safe Drivers|
|USAA||Drivers in the Military|
|Metromile||Low Annual Mileage|
|Esurance||Drivers Who Pay Their Premiums Upfront|
|State Farm||Teen Drivers|
FAQs About Cheap Car Insurance in Bethlehem
What Are the Minimum Car Insurance Requirements in Bethlehem?
In Bethlehem, all drivers must carry coverage meeting the minimum limits listed below:
• $30,000 for bodily injuries in an accident
• $15,000 for bodily injuries to one person
• $5,000 for property damage
• $5,000 for medical benefits per collision
What Are the Penalties for Driving Without Auto Insurance in Bethlehem?
In the “Christmas City”, there’s a naughty-or-nice list for local drivers. Stick to the rules of the road and you’ll score yourself the gift of discounts; get caught driving with no insurance and you’ll be punished with fines and other penalties.
Whether it’s your first or fourth offense, the penalties are the same: Your driver’s license and vehicle’s registration are suspended for three months, you must pay a $300 fine, and you will be required to fork over nearly $200 in reinstatement fees down the line.
While you will not be allowed to drive for the duration of your driving ban, you can take steps to ensure your family and friends can still make use of your car. Once you’ve insured your vehicle up to the state’s minimum liability limits, you can choose to pay the civil penalty option to restore your vehicle’s registration. The Pennsylvania Department of Transportation will first need to see proof that your car is insured before authorizing this process.
Be warned: If you’re nabbed driving with no insurance again within 12 months of your first offense, you won’t be allowed to take advantage of this option.
How Are Car Insurance Rates Calculated in Bethlehem?
Insurance providers will take into account a range of factors when calculating premiums. Typically, the better your risk profile, the lower your rates will be. Besides looking at your permanent driving record, your provider may also consider your gender, marital status, credit history, and more.
While many of these criteria are out of your control, you can reduce your premiums right now by scaling back your deductible. The deductible of a given policy feature represents the amount you will have to pay to cover loss stemming from an accident before your insurer covers the rest. By increasing your deductible, you can reduce your premiums. However, you do run the risk of losing thousands of dollars if you’re involved in an accident.
What Are Some Important Bethlehem Car Insurance Terms?
Third Party: Insurers let you include multiple drivers under a single policy. Typically, “third party” members on your coverage can include family, friends, colleagues, employees, etc.
Premium: The amount you must pay to maintain your auto insurance policy.
Declarations Page: The first page of your auto insurance document that provides a brief summary of your policy details such as your rates, features, and more.