Car Insurance in Swarthmore, PA
Experts break down where you can find the right coverage for you, how much it costs, and more in Swarthmore, PA.
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.
The rate of car theft in Pennsylvania is currently less than half of the national average. Regardless, there are plenty of disasters that occur both on and off the road that require you to have the right protection. Car insurance can reimburse for vehicle theft, collisions, fire damage, and much more.
An independent insurance agent in Swarthmore, PA can get you set up with car insurance if you don't have it already. They'll make sure to get you covered long before it's time to file a claim. But up first, here's a breakdown of car insurance in Swarthmore, PA.
Best Car Insurance in Swarthmore, PA
Finding the best car insurance in Swarthmore, PA starts with enlisting the help of a trusted expert. An independent insurance agent in Swarthmore is familiar with the local car insurance companies that offer the protection you need. Not only can they find you affordable rates, but also any discounts you qualify for, to save you even more money.
Your independent insurance agent can also help you maintain your car insurance. They can file claims for you, update your coverage, and even change policies if and when the time comes. Get started with an independent insurance agent in Swarthmore, PA today to find the best car insurance for your needs.
What Does Car Insurance Cover in Swarthmore, PA?
The coverages in your car insurance policy will depend on your specific needs. However, many folks choose to add the following:
- Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.
- Personal injury protection: This covers the treatment of injuries to you or your passengers after an accident that you cause.
- Liability coverage: This covers lawsuit costs if you cause bodily injury or property damage to a third party with your vehicle.
- Uninsured motorist coverage: This covers collisions with other drivers who don't carry any or enough car insurance of their own, and are at fault for the crash.
The easiest way to assemble a car insurance policy that really fits is to work with a local independent insurance agent in Swarthmore, PA.
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How Much Does Car Insurance Cost in Swarthmore, PA?
Drivers in Pennsylvania pay an annual average of $1,304 for their car insurance. Compared to the national average of $1,311 in car insurance premiums per year, drivers in Pennsylvania save a bit on their coverage. Overall, car insurance rates in Pennsylvania fall right in the middle of the pack, at 23rd-most expensive in the nation.
Is Car Insurance Required in Swarthmore, PA?
Pennsylvania's state-wide minimum car insurance requirements are as follows:
- Property damage liability: At least $5,000 of coverage per accident of property damage liability, which covers property damage that you cause to others with your vehicle, is required.
- Bodily injury liability: At least $15,000 of coverage per person and $30,000 per incident of bodily injury liability, which covers injuries you cause to others with your vehicle, is required.
You must be equipped with at least these coverages before you can legally drive in Swarthmore, PA. Your independent insurance agent can help you add these and other protections you need to your car insurance policy.
What Are the Best Car Insurance Companies in Swarthmore, PA?
Don't waste time looking through dozens of car insurance companies when hunting for coverage. Instead, check out our list of just a few top recommendations for car insurance in Swarthmore, PA.
| Best Car Insurance Companies in Swarthmore, PA | Star Rating |
| Stillwater |
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| Travelers |
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| Selective Insurance |
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| Progressive |
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| Nationwide |
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Why Work with an Independent Insurance Agent in Swarthmore, PA?
There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.
Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Pennsylvania to find you the right coverage at a great price.
https://www.insurance.pa.gov/Documents/auto_guide.pdf