Just spent way too long figuring out how car insurance works here in Pennsylvania. Basically, first you gotta decide between limited tort (cheaper, but limits your right to sue) and full tort (pricier, but more freedom to sue). Then pick coverage amounts, deductibles, and all that jazz. Honestly, I just called up a few agents, compared quotes online, and read way too many Reddit threads, lol. Anyone got a simpler way or tips to make this less of a headache?
Yeah, it's definitely a headache at first. I went limited tort myself—figured the savings were worth it since I'm mostly commuting short distances and rarely on highways. One thing that helped me was bundling my car insurance with renter's insurance through the same company. Got a decent discount that way. Also, tweaking deductibles can make a noticeable difference in premiums, just gotta find your comfort zone between upfront cost and risk...
