“If your car is an older, cheaper model, you can consider dropping your collision and comprehensive coverage. The bigger issue lies with your liability coverage.
Pennsylvania has among the lowest state-minimum car insurance requirements in the country. At 15/30/5, Pennsylvania’s minimum liability insurance doesn’t cover all that much, even with the mandatory $5,000 medical payments coverage.
If you get in an at-fault accident and your insurance limits aren’t high enough to cover the other driver’s expenses, you’ll have to pay the remaining balance out of pocket. You could even be sued.
For the sake of your future finances, don’t drop your liability coverage down to the state minimum. Instead, opt for something like 50/100/50 or 100/300/100. Gather car insurance quotes online to find the best rate.”