Many people try to save as much money as they possibly can. However, some things are worth paying a little extra. One of these things is car insurance. Though you may want to buy the Pennsylvania state minimum, that might not be the best idea.
Here are some reasons why the minimum coverage might not be enough for you.
It won’t cover much. The simple truth is that cheap insurance won’t be enough. Most of the time, you will only have liability insurance. This will cover damage to the other vehicle but not your own. Unless you have comprehensive and collision insurance, you will be paying for your own medical expenses and car repairs yourself. This could cost you thousands of dollars that you don’t have.
It might not actually be as cheap as you think. Though you may have been quoted a small fee, the truth is that you may be charged a bunch of extra fees, making it even more expensive than insurance that may cover a lot more.
You are probably going to have a high deductible. Many cheaper plans have a higher deductible, which only means that you will have to pay more money out of your pocket before your insurance kicks in. Instead of being required to pay a few hundred dollars, you may have to pay a few thousand before your insurance pays a dime.
Car insurance (and other insurance) can be quite complicated, so it is always a good idea to talk to a professional. Here at Stalwart Insurance in Pittsburgh, PA, we pride ourselves on helping others find the right coverage. We want you to be fully protected, just in case!