LOOKING FOR FULL-COVERAGE AUTO INSURANCE IN PENNSYLVANIA? LOOK TO MILLER CARLISLE!
Buy Affordable Car Insurance through Your Local Independent Agency with the Best Choices in Car Insurance Companies!
Since 1978, Miller Carlisle Has Helped Pennsylvania Drivers Save With Excellent (Yet Cheap) Car Insurance
Let’s face it: Auto insurance in Pennsylvania is a necessary expense. No one truly wants to pay for comprehensive and collision insurance, let alone think about it. Too often, drivers around Pennsylvania just pick the cheapest car insurance they can find, some minimum liability auto insurance with virtually no claims center, service reps, or support infrastructure to speak of. Sure, you may have a policy card that proves you bought auto insurance coverage – but if you are ever involved in an accident, you may not get the compensation you deserve.
For Affordable Car Insurance In Pennsylvania, Show Your Independence
We Get You the Cheapest Auto Insurance that Still Provides Great Coverage
Car insurance in Pennsylvania. It’s the kind of thing you have to buy – but your choice should depend on more than which car insurance companies offer cheap auto insurance quotes. It should also depend on the Pennsylvania auto insurance company’s rating, whether the coverage policy satisfies the state-minimum coverage, and the reputation of the insurance company for responding promptly to claims and providing payment when it’s needed most.
After all, that’s what car insurance in Pennsylvania is for! (The state minimum limits for the coverage car insurance must provide to drivers in Pennsylvania are listed and described below.)
The coverage auto insurance provides is vitally important. There’s a reason why it’s mandatory for drivers to carry car insurance in Pennsylvania. It’s not something about which you can afford to make an error. To err on the side of the cheapest car insurance quotes may be the way to go – but the advantage of Miller Carlisle is our independence: We shop the full lineup of auto insurance policies to find your absolute best option – young drivers, older drivers, drivers with a clean driving record, drivers who’ve had a few speeding tickets, drivers with poor credit, everyone – for comprehensive coverage and collision coverage in Pennsylvania.
Choice, convenience, affordability, customized auto policy plans, and responsive customer service. That’s Miller Carlisle. Call us at 717-243-4400 for the best car insurance quotes available in the Cumberland Valley of Pennsylvania.
Typical Average Annual Premiums For Auto Liability Coverage Policies In Pennsylvania
According to recently published surveys, on average – and your results may vary – drivers in the state of Pennsylvania should expect to pay approximately $1,000 and $1,500 per annum in car insurance premiums. This figure is slightly higher than the national average, but significantly lower than what drivers pay in neighboring states for an auto policy.
However, that statistic is largely meaningless to your particular circumstances. Even within the state of Pennsylvania, coverage rates can vary substantially with shifts in geography. Drivers in Philadelphia and Pittsburgh, for example, tend to pay a higher average cost for auto coverage than drivers in State College or Chambersburg PA – and that’s not even taking into account all the modifying factors of age, marital status, credit score, accident history, and driving record (moving violations) of the insured driver.
The Smart Way To Get Reliable, Affordable (Not Cheap) Auto Insurance in Pennsylvania
Exceed the State Minimum for an Auto Coverage Policy Without Exceeding Your Budget
So if you’re ever presented with a quote from a captive member agent employed by Nationwide, Penn National, or State Farm, how could you possibly know with absolute certainty that that is the best, cheapest auto insurance quote you could get? How can you be certain you are receiving all applicable discounts, getting all available credit, and meeting the state minimum required coverage?
By calling the experienced independent professional agents of Miller Carlisle Insurance Services LLC, that’s how. Call us at 717-243-4400 to let us compare quotes and find policies that:
- exceed state minimum coverage requirements and liability limits
- have affordable average premiums
- have options for annual, semi-annual, or monthly payments
- take advantage of any available driver discount
- provide real peace-of-mind coverage in the event you are involved in an actual accident (either a non-fault accident or an at-fault accident)
State Coverage Limits Per Person And Per Accident
Savvy drivers in the Keystone State should be aware of the auto insurance requirements mandated by the Pennsylvania Department of Insurance. By state law, minimum requirements for auto insurance coverage are:
- Bodily injury: $15,000 per person – $30,000 per accident
- Property damage: $5,000 per accident
- Medical benefits: $5,000 per person for first party
Other minimum coverage limits may apply; consult the experienced independent agents of Miller Carlisle to determine how much liability coverage is recommended for your particular situation.
Get the Right Auto Insurance Policy and Still Save Money
Our goal is clear: Miller Carlisle is dedicated to making sure every client has more than adequate coverage to recover from damages of a potential car accident. That’s why we strongly suggest drivers of all age groups in Cumberland County and Central Pennsylvania surpass that minimum limit, and take on at least $100,000 in coverage for both bodily injury and property damage.
If an auto accident does happen (and we all know that an accident could occur at any time), you will be extremely glad you had enough coverage…thanks to Miller Carlisle.
Three Simple Steps To Getting The Best Pennsylvania Car Insurance Quotes
First, Find An Experienced, Local, Independent Car Insurance Agency
We’re talking, of course, about Miller Carlisle Insurance Services LLC. Established in 1978, we deal with more than 50 top-rated auto insurance companies and coverage carriers – serving drivers in both the state of Pennsylvania (like Penn National) and across the nation (like Nationwide) – to shop for and secure the most competitive car insurance quotes available.
Second, Compare Quotes Based Upon Premium Rates and Coverage Amounts
Armed with customized knowledge accumulated on your behalf by the agents of Miller Carlisle, you can compare and contrast a multitude of policy offers, taking into account all applicable coverage riders, registration fees, and sales tax, to determine the best option for you.
Third, Make Your Decision Based Upon More Than Average Premiums
Remember that if you’re looking for the absolute cheapest price, you often get what you pay for. Weigh the risks of a policy that barely meets the minimum requirements of the state of Pennsylvania, versus a policy that provides ample coverage to protect you from the loss of your automobile, property damage, and mounting medical expenses due to severe bodily injury. Going with the cheapest auto insurance rates may be difficult to resist – especially to young drivers or drivers with poor credit, folks watching every dollar – but that policy may or may not provide prompt service and fast claims compensation when it’s absolutely needed most.
Be Aware of the Dreaded “Limited Tort” Response
Having limited tort means your auto coverage policy will pay the insured for only those monetary losses they incurred from an at-fault accident – expenses such as medical, automotive, and property damage, as well as lost wages and income. However, nothing else is covered or paid for by the insurance company – no pain, suffering, or anguish could be compensated for under a policy with limited tort.
The average driver in Pennsylvania may not even be aware of the concept of limited tort, but it’s an issue that commonly arises with drivers of all age groups who opt for the cheapest car insurance.
Information Needed To Obtain Custom Quotes for Auto Insurance in Pennsylvania
When soliciting quotes for car insurance premiums, it helps to have certain pieces of information handy – information about you as the insured, and about the car you will be driving. The more accurate the information you supply to the agents of Miller Carlisle, the better your ultimate car insurance policy will be.
Among the Items You Will Need To Know When Requesting a Car Insurance Policy:
- Your existing policy (and the reason for its cancellation)
- State vehicle registration documents
- Make, model, and year of your vehicle
- Recent accident history
- Recent violation history (particularly moving violations such as speeding tickets)
- Approximate annual mileage
- Primary purpose for your vehicle
- Your current mailing address
- Your current phone number
- Your driver’s license number
The Need To Provide Accurate Information
It’s in your interest to provide accurate info when applying for auto coverage. The quotes you receive in response will be based upon the information you provide, and a process of underwriting must take place before the policy goes into force. Any inaccuracies could result in your final premium being dramatically different than the quoted amount – and no one winds up happy in that scenario.
Shop For Auto Insurance Quotes Online
Many consumers choose to shop online for an auto insurance quote, and Miller Carlisle is here to help. Our website is a portal for independent information and quotes, so please click around and see how good your car insurance options can be!
Discuss Auto Insurance Quotes With A Friendly, Qualified, Experienced Agent
However, many other consumers still prefer to chat with an agent in real time, in order to talk through auto insurance rates coverage options. Miller Carlisle is ready to assist you on the phone too, when you call our office at 717-243-4400.
A Premier Independent Agency For Car Insurance In Pennsylvania Since 1978
When driving on the highways and byways of the Keystone State, a driver’s past experiences matter. It’s key for drivers to be experienced enough to safely conduct themselves on Pennsylvania roadways – and experience really matters when a Pennsylvania driver is soliciting car insurance quotes.
Factors That Enter Into The Determination Of Auto Insurance Quotes
Rates may vary not only from driver to driver, but from age to age. A 16-year-old driver – due to lack of driving experience – is very likely to receive different terms than a 30-year-old driver, a 45-year-old driver, or for that matter a 60-year-old driver. Obviously there are myriad factors that come into play when an insurance carrier calculates their cheapest car insurance offer to any given Pennsylvania driver – including having a clean driving record, PA zip code of residence, average annual mileage, excellent or poor credit score, and the age and make of the car they drive, among other considerations – but there’s no accounting for experience, or lack thereof. Sorry, young drivers; you’ll get there eventually. (But you gotta be safe!)
Factors That Enter Into Determining The Best Agency In The Keystone State
The exact same can be said about Pennsylvania car insurance agencies. The agency you deal with – and, most saliently, the specific agent with whom you do business – really should have the industry experience and product knowledge to assure cheap car insurance that still provides maximum personal injury protection even at the minimum coverage levels Pennsylvania law mandates.
The Miller Carlisle Difference
There’s a way to do this: Be a wholly independent agency, and thus provide only the best from among a range of competing options. That’s the unique difference offered by Miller Carlisle Insurance Services LLC. We’ve been proud of our independence as a Pennsylvania car insurance agency since 1978, because we get results for our clients in lower auto insurance rates for similar coverage limits, more access to discounts, and responsive customer service from both Miller Carlisle Insurance Services and from the insurance company whose product we’re pleased to offer.
Experience Matters – And Miller Carlisle Has It
Don’t discount the vital importance of experience when it comes to car insurance and liability insurance. Your financial and driving record may depend upon your choice of coverage. Car insurance is a critical decision in the overall financial responsibility of all drivers in Pennsylvania – and that’s as true for inexperienced young drivers as it is for experienced senior drivers. Go with the car insurance agency with the experience to prove we can get you the best car insurance in Pennsylvania.
Uninsured Motorist and Underinsured Motorist Coverage
Unfortunately, not everyone driving motor vehicles on the highways and byways of Pennsylvania is a stickler for state requirements mandating the carrying of sufficient auto insurance. They either 1) purchase the cheapest car insurance available (and frequently the cheapest auto insurance available does not meet the minimum coverage amount that all drivers’ auto policies must have under Pennsylvania law), or 2) commit the grave error of possessing no car insurance at all.
Protect Yourself From The Uninsured
This fact means there exists the possibility of being involved in an accident with a driver who is underinsured or completely uninsured – and that raises the specter of bodily injury liability and property damage liability being put by necessity back against your own insurance company. This scenario quickly gets excessively messy, with the tort option at the discretion of the first party – and there’s no guarantee of ever seeing full compensation for any bodily injury or property damage incurred in the accident.
Don’t Get Caught In This No-Win Situation
To prevent this double tragedy – the first being the car accident itself, the second being the inability for the at-fault party to produce adequate property damage liability coverage – it is strongly advisable to purchase a rider of Uninsured Motorist and Underinsured Motorist coverage through an independent agency such as Miller Carlisle Insurance Services LLC. We shop a variety of A+-rated companies licensed to do business in the state of Pennsylvania, so we are able to provide the best insurance quote on excellent coverage from major carriers like Penn National, State Farm, Liberty Mutual, Progressive, and Nationwide, among other top names.
Underinsured and Uninsured Insurance Requirements Under Pennsylvania Law
Drivers may purchase Underinsured and Uninsured Motorist coverage as a rider to their Pennsylvania auto insurance policy. The minimum coverage limit is $15,000 per person, $30,000 per incident, although drivers can (and in many cases should) purchase supplemental coverage that exceeds this limit. You really can’t consider yourself as having full-coverage auto insurance unless you’re protected if ever you’re involved in at-fault accident with an uninsured or underinsured driver.
If ever you happen to collide with another driver who does not have insurance or does not have enough insurance, you’ll be glad Miller Carlisle is on your side.
It’s Easy To Get FREE Car Insurance Quotes From Miller Carlisle Insurance Services LLC
Find Cheap Car Insurance In Pennsylvania that Provides Great Coverage from a Great Insurance Company!
All the cheapest car insurance rates from the highest-rated Pennsylvania insurance companies are just a finger tap, phone call, or mouse click away. Or, hey, come by our Carlisle PA office for an old-fashioned visit!
Miller Carlisle Insurance Services LLC is located in the offices at 19 Brookwood Avenue, off Walnut Bottom Road not far from downtown Carlisle, Pennsylvania, the home of our independent insurance brokerage business since 1978. We are found in Suite 102, and in Zip Code 17015.
Contact Us Via Phone, Email, or Online
Reach us via telephone at 717-243-4400, contact us via email at [email protected], or obtain your FREE online quote via our secure website, www.CarlisleIns.net, by filling out and submitting the short form on the right-hand side of this webpage.
The Right Policies For Pennsylvania Drivers
Make sure all the drivers in your family are getting the best car insurance policies at the most competitive auto insurance rates from a top-rated liability insurance company – and make sure every driver has the coverage needed to be financially okay in the event of a car accident.
Your Hometown Central Pennsylvania Auto Insurance Agency
Just like experience and knowledge matter when choosing the right Pennsylvania car insurance and bodily injury liability insurance agency, being local matters too. The folks at Miller Carlisle Insurance Services LLC know the Cumberland County area because we live and work here, and we love serving our neighbors in all the little towns of the beautiful Cumberland Valley of Central Pennsylvania.
That includes Middlesex, Camp Hill, New Kingstown, Mechanicsburg, Schlusser, Dillsburg, Plainfield, Dickinson, Landisburg, Boiling Springs, Shepherdstown, Newville, Mount Holly Springs and points beyond, including the homes and businesses along every exit and intersection of US Rt. 11, Interstate 81, and I-76, the famous Pennsylvania Turnpike.
Related reading: cheap car insurance in Pennsylvania, our overview of car insurance in Pennsylvania, auto insurance in PA, Pennsylvania car insurance requirements and PA car insurance.
Miller Carlisle, Premier Independent Brokerage Services Finding Drivers Great Pennsylvania Coverage Since 1978
The borough of Carlisle, the county of Cumberland, and the magnificent Pennsylvania countryside beyond are all areas where we proudly serve business and individual clients with superior independent insurance brokerage services, providing maximum protection at minimum cost – not minimum coverage – from our humble office in Carlisle PA, zip code 17013.
