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Getting the cheapest car insurance rates in Reading, Pennsylvania, can require hours of phone calls and number crunching. Our team set out to save you time by identifying the most affordable carriers in the area.
Cheapest Car Insurance Companies in Reading
|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 Reading
What Are the Minimum Car Insurance Requirements in Reading?
Motorists in Reading must purchase auto insurance meeting the following minimum liability limits:
• $5,000 to cover property damage
• $5,000 in medical benefits per collision
• $15,000 to cover bodily injuries to one person
• $30,000 to cover bodily injuries in an accident
What Are the Penalties for Driving Without Auto Insurance in Reading?
If you’re caught driving with no insurance in America’s “Baseballtown”, it’s one strike and you’re out. Whether it’s your first violation or third offense, the penalties for breaking the state’s insurance laws remain the same. Not only will authorities suspend your license and vehicle’s registration for up to three months, you will also have to pay a $300 fine and fork over a further $180 in reinstatement fees down the line.
While your driving ban is set in stone, you can take steps to ensure other drivers such as family members or friends can still make use of your vehicle during the suspension period. The civil penalty option is a $500 fee that will allow you retain your vehicle’s registration. However, if you are caught driving without insurance within a year of your last offense, you will not be able to activate this option
Does Auto Insurance Cover Pothole Damage in Reading?
Hitting potholes can cause serious damage to your vehicle, but repairs for this type of damage are not always covered by your policy. You will need to check whether:
• You have collision coverage;
• This feature includes damage caused by potholes and
• The damage you sustained was the result of an accident involving an individual pothole and not wear and tear caused by hitting multiple potholes over time.
Typically, collision coverage does not include wear and tear.
Do I Need Comprehensive Coverage If I’m Leasing My Vehicle?
If you’re leasing a car, the leasing company will require you to purchase and maintain both comprehensive and collision coverage for the full duration of the leasing period. Many companies will also require you to purchase a policy with liability limits higher than the mandatory minimum.
What Is Uninsured/Underinsured Motorist Coverage?
While you may be complying with the state’s insurance laws, an estimated 7.6% of Pennsylvania’s drivers do not carry coverage meeting the state’s minimum limits. Uninsured/underinsured motorist coverage is your safety net in an accident involving one of these errant drivers, kicking in to help you cover the cost of damages sustained in this type of collision.