Pennsylvania car insurance has been expensive for drivers in the Keystone State. What can you do to make it more affordable?

Do some shopping around and ask what the differences are between different deductibles. The deductible is the amount you pay before your insurance coverage kicks in. There can be quite a bit of difference in your premium between a low and a high deductible.

Also, ask about any discounts you can get. You can often save up to five percent by insuring your home with the same company, installing anti-theft devices, and more. Do you have a teenage driver? Make sure they get good grades and you could qualify for a good student discount.

While shopping for car insurance, get at least three or more quotes from different agents or auto insurance companies. This could actually save you hundreds of dollars a year because rates can vary so much from one company to another. Simply call a few local insurance agents, or go online and request quotes from the convenience of your computer. Just make sure to provide the same information about coverages and deductibles so you can accurately compare the insurance costs for each company.

The Pennsylvania Insurance Department's Web site publishes the rates of some of the top car insurance companies in the state. This could be a good place to narrow down the companies you want quotes from. However, an independent agent, or a comparison quoting Web site can also do the shopping around for you.

You'll need to get the minimum coverages required by Pennsylvania state law: $5,000 for Medical Benefits; $15,000 per person, $30,000 per accident for Bodily Injury; and $5,000 per accident for Property Damage. You can get higher coverages (and you may want to) but it will add to your premium.

Try to cut the miles you drive each week or year. This could lower your rate. And think about whether you need comprehensive coverage or towing and rental car reimbursement coverages. These all add up.

You can get free comparison Pennsylvania car insurance quotes, plus more information about saving on car insurance at LowerYourInsurance.com.