Top Mistakes That Cost Pennsylvania Drivers More on Insurance
Top Mistakes That Cost Pennsylvania Drivers More on Insurance
When it comes to car insurance, Pennsylvania drivers often pay more than they need to—simply because of a few common, avoidable mistakes. Whether you're a new driver in the Keystone State or a seasoned road warrior, understanding these pitfalls can help keep your insurance premiums low and your coverage efficient.
In this blog post, we’ll break down the top mistakes that lead to higher car insurance costs and offer practical tips to help you steer clear of them.
1. Carrying Inadequate Coverage
Many drivers try to save by choosing the minimum required liability coverage. While this might reduce your monthly premium, it can cost you big in the event of an accident.
Why It’s a Mistake: Pennsylvania requires minimum liability limits, but those won’t always cover the full cost of damages in a serious accident. If damages exceed your policy limits, you'll be responsible for the difference—potentially tens of thousands of dollars.
How to Avoid It: Work with your insurer to find a balance between affordable premiums and adequate protection. Consider adding uninsured/underinsured motorist coverage and comprehensive policies for better peace of mind.
2. Not Shopping Around for Rates
Insurance rates aren't one-size-fits-all. Companies use proprietary formulas to calculate premiums, and the differences can be significant.
Why It’s a Mistake: Sticking with the same insurer year after year without comparing rates can cost you hundreds annually.
How to Avoid It: Get quotes from at least three different insurers every year or whenever your policy is up for renewal. Use online comparison tools or work with an independent insurance agent who can shop for you.
3. Ignoring Discounts
Insurers offer various discounts, but many drivers never take advantage of them.
Why It’s a Mistake: Overlooking multi-policy, good student, defensive driving, or telematics program discounts means you could be overpaying for coverage.
How to Avoid It: Ask your provider about available discounts and review your policy regularly. Updating your profile with recent life changes (like moving or getting married) can also unlock savings.
4. Maintaining a Poor Driving Record
Tickets, accidents, and DUIs are red flags to insurers and will massively hike up your premiums.
Why It’s a Mistake: High-risk drivers are charged significantly more. Even minor violations can affect your rate for years.
How to Avoid It: Drive safely and follow traffic laws. If you’ve already had violations, consider taking a state-approved defensive driving course to offset points and show insurers you're committed to improvement.
5. Failing to Update Your Policy
Life changes—such as relocating, changing jobs, or reducing your commute—but if your insurance doesn’t reflect those updates, you’re likely overpaying.
Why It’s a Mistake: Your premium is based in part on your ZIP code, mileage, and vehicle use. Outdated info could mean you're paying more than necessary.
How to Avoid It: Review and update your policy details at least once a year or anytime your circumstances change.
6. Letting Coverage Lapse
Even a short lapse in coverage can have long-lasting effects on your insurance rates.
Why It’s a Mistake: Insurers see gaps in coverage as a sign of riskiness. This can cause your next premium to spike or make you ineligible for certain policies.
How to Avoid It: Set reminders for renewal dates and consider setting up automatic payments. If cost is a concern, talk to your agent about temporary adjustments instead of canceling coverage.
Conclusion
Avoiding these common insurance mistakes can lead to substantial savings and better protection on the road. By staying informed, reviewing your policy regularly, and keeping communication open with your insurer, Pennsylvania drivers can take control of their car insurance costs.
Start today—review your current policy and see where you might be making one of these expensive errors. A few small changes can lead to big savings down the road.
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