As and when you move state in the US you have to be really rather careful about how things change. Each of the 50 has somethng different about the local laws and you need to make sure that you alter your behaviour, insurance and so on to take account of these changes in hte laws.
For example, pa auto insurance (or if you prefer, pennslyvania auto insurance) works a little differently from other states. This is because, like most other states, there's an insurance commissioner and he has to deal with the various spcial interest groups: the insurance companies themselves who obviously want the law to go one way and the various special interest groups claiming to represent the public who want it to go the other.
What this leads to is the usual appalling mess of counter-productive to-ing and fro-ing as the law gets mangled to try and suit both sides.
The simple way to deal with all of this is simply not to. Don't try to understand what's going on, simply get yourself some pennslyvania auto insurance quotes.
Alternatively, you can click through and get all the details you will need to try and make sense of the subject.