Best Cheap Car Insurance for Inexperienced Drivers in Pennsylvania

The words “low-priced” and “insurance” really should not be used together, specifically when looking for the best insurance rates for inexperienced drivers. Let’s take a look at some things that have a considerable impact on car insurance rates, and find a few ways to cut the cost of the next policy you buy.

When shopping for cheaper auto insurance for new drivers, one of the many considerations that control the policy price is where you keep your vehicle. Regions with larger populations or more claims like Philadelphia, Chester, and Norristown tend to pay higher rates, whereas cities that are not as densely populated generally pay lower auto insurance rates.

The information below shows the priciest cities in Pennsylvania for inexperienced drivers in which to purchase auto insurance.

Prices are estimated as specific Pennsylvania zip code can lower or raise premiums noticeably.

Everyone has different tastes in autos, and the style of vehicle you are trying to insure is probably the biggest factor when comparing quotes for the best cheap car insurance for inexperienced drivers in Pennsylvania. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models. The data below estimates auto insurance premiums for a selection of the cheaper automobiles to buy insurance for.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in your specific Pennsylvania location which can modify auto insurance rates considerably.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific location information which can revise price quotes substantially.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in garaging location in Pennsylvania which can impact coverage rates significantly.

Liability only or full coverage

Finding the best cheap car insurance for inexperienced drivers in Pennsylvania is important to the majority of people, and one easy way to pay less for insurance is to only pay for liability coverage. The information below illustrates the difference between yearly insurance costs with and without full coverage. The premiums assume no violations or accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $1,731 per year over having just liability coverage. At some point, every insured wonders if physical damage coverage is worth the money. There is no exact rule to exclude full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s replacement cost is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $9,000 after paying your deductible. If premiums are more than $900 annually for full coverage, then it could be time to drop full coverage.

There are some situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

The illustration below shows how choosing a deductible can affect insurance costs when getting quotes for cheap insurance for inexperienced drivers. The premiums are based on a married male driver, full coverage, and no discounts are factored in.

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A 30-year-old driver could pocket $342 a year by changing from a $100 deductible up to a $500 deductible, or save $516 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could save $1,042 annually by choosing a higher deductible.

When increasing deductibles, it is necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Allstate, State Farm, Progressive, or Geico: Who is best?

When shopping for car insurance for new drivers, four companies to take a look at are Allstate, State Farm, Progressive, and Geico. If you add them together, they insure almost 50% of all car insurance policies written. The following table illustrates some of the different features that you can purchase from each one.