It’s Miller Carlisle for the Best (and Maybe Cheapest) Car Insurance in PA
Get Good, Affordable Coverage from Pennsylvania’s Best (Cheap) Car Insurance Agency
Call Us Today for Affordable Car Insurance That’ll Be There When You Need It
We get it. You don’t want cheap car insurance. You want good car insurance . . . cheap.
The experienced agents at Miller Carlisle are experts at connecting our clients with excellent car insurance in Pennsylvania – car insurance that’s both reliable and affordable. As an independent insurance brokerage, Miller Carlisle helps Pennsylvania drivers get car insurance coverage that offers the most protection . . . without breaking your budget.
Let Us Shop Around for the Best Car Insurance Rates
Work With Miller Carlisle to Find Good (Cheap) Car Insurance
One surefire way to make sure you buy cheap auto insurance in Pennsylvania is by dealing with an independent agency such as Miller Carlisle. Thanks to our independence, we’re able to solicit quotes from a wide variety of reputable auto insurance companies to determine the best, most affordable car insurance policy for your situation.
When you work with Miller Carlisle, you’re getting the full advantage of our independence. We’re not locked into selling any particular insurance carrier’s policies; instead, we compare rates and quotes from various carriers to find the best car insurance policy available.
That means we provide you with multiple quotes, from the cheapest car insurance company offering minimum coverage car insurance rates, to more elaborate policies from big-name car insurance companies with add-on features such as comprehensive coverage, medical benefits, underinsured/uninsured motorist coverage, and supplemental accident property damage liability coverage.
Independence like that is extremely valuable in the world of auto insurance. It means every Miller Carlisle insurance agent can provide cheap car insurance from a quality car insurance company, so you get the coverage you need at a premium you’ll like.
What Impacts Your Car Insurance Premium?
Your Choice of Coverage Limits and Policy Riders Affect Car Insurance Rates
As you probably know, every car insurance policy has several different moving parts, so to speak. How much you’ll pay for your policy depends on how much it covers.
And how much it covers depends on what you need your policy to cover. In Pennsylvania, car insurance is required to provide certain minimum coverages – and for the cheapest car insurance policy, you’ll want to stick to those minimums.
Those minimum coverage amounts are:
- Property damage liability coverage (damage to another party’s property): $5,000 per accident
- Bodily injury liability coverage (injury to or death of another party): $15,000 per person; $30,000 per accident
Those may seem like substantial figures, but in reality, they wouldn’t provide very much coverage in the event of an accident. It’s easy to imagine someone suffering an injury and winding up in the hospital for days or weeks, perhaps requiring surgery and/or therapy. In such a case, $15,000 doesn’t go very far, which is why you might want to consider increasing your bodily injury liability coverage.
At its most basic, auto insurance exists to protect others in the event of an accident caused by you. However, the problem with minimum coverage car insurance is that it might not be enough in the event of an actual at-fault accident – meaning you’d be stuck paying out of your own pocket . . . and that’s what insurance is for!
(Obviously, your driving record and credit history will also impact your quoted premium. Having a recent speeding ticket or two can potentially turn cheap insurance into not-so-cheap insurance.)
Talk with your Miller Carlisle agent about the possibility of increasing bodily injury liability. Sure, higher liability limits will mean a higher premium, but it could also mean saving you from financial hardship or insolvency should you ever be responsible for property damage or bodily injury in a car accident.
Don’t Forget About Personal Injury Protection
As a No-Fault State, Pennsylvania Requires Your Policy To Include PIP
You’ll need personal injury protection (PIP) as part of your car insurance policy in Pennsylvania. That’s because Pennsylvania is a no-fault state, meaning each driver must file their own claim with their own auto insurance company to get compensation for injuries sustained from an accident. (This is different than in an at-fault state, in which the driver at fault for the accident is responsible for paying for bodily injuries and property damages for all other parties.)
Get Educated on Limited Versus Full-Tort Coverage
With Full Tort, You Retain the Option of Suing At-Fault Drivers for Damages
If you’re seriously injured in an auto accident that’s not your fault, your own policy’s PIP coverage will come in very handy . . . but it might not be enough by itself. That’s why you may want to consider a policy with full tort, which allows you to sue the at-fault driver for damages such as pain and suffering.
The alternative is limited tort, wherein you can only sue an at-fault driver for damages if they exceed certain limits established by Pennsylvania law. Of course, a full-tort policy carries a higher premium than a limited-tort policy, but when those medical bills start piling up, you’ll appreciate the ability to be fully covered (and compensated).
Beyond Liability Insurance: Collision Coverage and Comprehensive Coverage
For Peace-of-Mind, Consider Affordable Full-Coverage Car Insurance
Getting the cheapest car insurance in Pennsylvania sounds like a good idea, and for many Pennsylvania drivers it is. Sometimes all you need is liability insurance, if you’re not concerned about damage to your own car.
But the whole idea behind car insurance in Pennsylvania is to provide resources (i.e., money) when it’s needed most, such as in the immediate aftermath of an accident. Therefore, it’s a good idea to discuss optional coverages with your Miller Carlisle insurance agent – even if that wouldn’t make it the cheapest car insurance policy anymore.
Collision Coverage
Ever hit a deer? It’s not uncommon here in Pennsylvania. Of course, it’s bad for the unfortunate animal – but it’s also none too good for your car, either. If your car insurance policy includes collision coverage, you can be recompensed for that damage.
Collision coverage comes into effect when you collide with an animal, a stationary object, or another vehicle, and it provides protection for damage done to your own car. Consider adding collision protection to your policy when you discuss car insurance in Pennsylvania with your Miller Carlisle agent.
Comprehensive Coverage
Just about everything not covered in a standard liability insurance policy is covered when you have comprehensive coverage. That includes damage or loss due to vandalism, theft, fire, hail, and natural disasters – anything other than a collision with another vehicle.
Yes, adding comprehensive coverage to your auto insurance policy would increase the premium you pay. However, Miller Carlisle agents are adept at finding car insurance in Pennsylvania that offers comprehensive coverage that remains affordable.
Underinsured and Uninsured Motorist Coverage
Not everyone on the road is as responsible as you. By law, every driver must carry adequate auto insurance before getting behind the wheel – but the fact is, some don’t. And if you’re ever involved in a crash with such a driver (or you’re the victim of a hit-and-run incident), you’ll wish your policy included underinsured/uninsured motorist coverage.
Underinsured and uninsured motorist coverage kicks in when there’s damage, injuries, or loss caused by a driver lacking sufficient insurance – such as having no (or not enough) liability insurance. It protects you, anyone driving your car with permission, and any passengers, and it’s definitely worth considering as an additional rider to your auto insurance policy.
Miller Carlisle: Your Local Licensed Insurance Agent in PA
Serving Pennsylvania Drivers from Philly to the ‘Burgh and Everywhere in Between
Since 1978, drivers throughout the Commonwealth of Pennsylvania have trusted Miller Carlisle for their auto insurance needs.
We’ve helped drivers find full-coverage car insurance in Harrisburg, Hanover, and Hazleton . . . Allentown, Altoona, and Aliquippa . . . Mansfield, Meadville, and Montgomery County. We assist drivers who live in Philadelphia and Pittsburgh, Scranton and Erie, Johnstown and West Chester. We’re the car insurance agency for all Pennsylvania drivers.
No matter if we’re helping insure young drivers with their first policies (and maybe a little poor credit), or veteran drivers with a clean driving record and great credit history, or a fleet of commercial vehicles driven by CDL operators, Miller Carlisle knows the car insurance landscape here in Pennsylvania. Let our agents help you buy car insurance that meets or exceeds the coverage limits required by law . . . without exceeding your budget.
Contact Your Miller Carlisle Agent for the Best (Cheap) Car Insurance
Let Us Help You Find High-Quality Cheap Car Insurance Rates in Pennsylvania
Take the first step toward getting inexpensive car insurance in Pennsylvania. Call, message, or visit us at Miller Carlisle Insurance Services LLC.
We’re easy to reach:
- Call 717-243-4400
- Email [email protected]
- Submit the form on the right of this webpage
- Visit the Miller Carlisle office at 19 Brookwood Avenue (off Walnut Bottom Road), Suite 102, Carlisle PA
When you’re looking for the cheapest car insurance rates, look to the experienced experts at Miller Carlisle – an independent auto insurance brokerage – to find cheap car insurance that pays out when you need it!
