Auto insurance quote

Often the same day. Once we have your ZIP, vehicle, and driver info, we shop the carriers we work with, walk you through tort and limit choices, and bind once you pick. Proof of insurance is emailed once the policy is bound.

Limited tort lowers the premium in exchange for waiving most of your right to sue for pain and suffering — with exceptions under 75 Pa.C.S. §1705(d), like an at-fault driver convicted of DUI for that crash (or who accepts ARD), an at-fault driver in a vehicle registered in another state, or a serious injury, where full-tort rights come back. Full tort preserves the right and costs more. We price both with every quote, and our full tort vs. limited tort page walks through the trade-off.

Pennsylvania stacks uninsured and underinsured motorist limits by default (75 Pa.C.S. §1738). On a multi-vehicle policy each vehicle adds its limit, so two cars each carrying $100,000 of UM coverage give an insured up to $200,000. Stacking comes off for UM, UIM, or both only if the first named insured signs and dates the matching state rejection form, and the premium is lower if you do. Ask us to price both versions before you decide.