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Pennsylvania drivers should know that under the laws of the state, they must have auto insurance. Pennsylvania is different from other states because it does not require liability coverage, but only First Parties Benefits. The old name for this term was Personal Injury Protection because it refers to injuries of person(s) involved in the accident. The law requires that drivers have at least $5,000 in Personal Injury Protection insurance. Drivers must also have $30,000 insurance for accidents and $5,000 insurance towards personal property. Buying insurance in Pennsylvania is sometimes expensive, but drivers can save money on their total insurance costs.

Eliminate Unnecessary Costs

One of the easiest ways to lower your auto insurance costs is by looking for costs added onto your bill. Go through your bill with a fine tooth comb and find things added to the bill that you no longer need. You might find that you are still paying for insurance on a driver who now has his own insurance, or that you are paying for coverage on a vehicle you no longer own. If you never notified your insurance provider of changes to your policy, the insurance company will continue charging you.

Make One Payment

Most drivers do not realize that their premiums are simply a portion of the total insurance policy. For example, you pay $100 every month to reach a total of $1,200 in coverage for the entire year. Contact your insurance provider and ask for a discount if you make the total payment upfront. Some insurance providers offer discounts and lower insurance rates if you make more than the minimum payment. Even if you pay off your premium in six months instead of 12, you can sometimes save money.

Get Discounts

Most insurance companies offer discounts, but you can only learn about those discounts by contacting your provider. Some offer reduced premiums for drivers that do not have an accident for a specified length of time and others offer discounts for student drivers. Those in high school or college can often get cheaper insurance. Cheap insurance is also available for military men, those that work in government jobs and for those working in other professions.

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