Cheap Car Insurance for Real Estate Agents in Pennsylvania

The car, truck, or SUV driven is one of the largest considerations that determines the availablility of the most affordable coverage for real estate agents. Vehicles with high performance, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than more modest models. The information below illustrates coverage costs for a handful of the most cost-effective vehicles to insure.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter insurance rates significantly.

Looking at the rates, we can infer that vehicles like the Honda CR-V, Ford Explorer, and Honda Accord are going to be some of the most economical vehicles to insure for realtors.

Finding dependable, cheap insurance is hard enough, and figuring out which company quotes the lowest-priced insurance rates for real estate agents will take even more rate comparisons. Each company has a unique approach to establish rates, so let’s begin by taking a look at the insurance companies that tend to be cheaper in Pennsylvania.

We do need to point out that Pennsylvania insurance rates are calculated based on many things which can substantially decrease or increase the price of coverage. Simply improving your credit, having a claim, or getting caught speeding can cause premium changes resulting in some companies being cheaper than competitors.

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General Casualty quotes some of the cheapest car insurance rates in Pennsylvania at around $718 a year. USAA, Travelers, Penn National, and Erie also are some of the cheapest Pennsylvania auto insurance companies.

As shown above, if you are a policyholder with Penn National and switched to General Casualty, you might achieve a yearly savings of about $98. Drivers with Erie may save as much as $98 a year, and Auto-Owners customers might see rate reductions of $275 a year.

Bear in mind that those prices are averaged for all insureds and vehicles and are not factoring in a price discount for real estate agents. So the insurer that fits your age and vehicle best may not even be in the company chart above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

When shopping for cheaper auto insurance for realtors, one of the many criteria that influence the annual cost of car insurance is where you keep your car. Areas that are more densely populated like Philadelphia, Chester, and Norristown are more likely to have higher rates, whereas areas with less crime or weather claims can boast about having cheaper rates.

The information below ranks the highest-priced places in Pennsylvania for real estate agents to buy an auto insurance policy in.

Premium costs are comparative as specific location information can alter insurance rates considerably.

How careless driving impacts insurance rates

The easiest method to score the best insurance prices for realtors is to be a cautious driver and maintain a clean driving record. The example below shows how violations and accidents can impact insurance rates for different age categories. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

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In the chart above, the average cost of auto insurance in Pennsylvania per year with no accidents and a clean driving record is $1,324. Get written up for two speeding tickets and the average cost jumps to $1,760, an increase of $436 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for real estate agents goes up to an average of $2,202. That’s an increase of $878, or $73 per month, just for not driving carefully!

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

When researching car insurance for realtors in Pennsylvania, four good companies to start with are Allstate, State Farm, Progressive, and Geico. All of them offer physical damage and liability coverage, but each has a different combination of discounts, features, and options that you can select from. The next table compares ratings and policy coverage options shoppers can expect to find with each one.

Find cheap car insurance for real estate agents in Pennsylvania

The list below shows some of the recommended penny-pinching solutions that can help drivers quote cheaper coverage.

• Bundle home and auto and earn a discount
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Earn discounts for being claim-free
• Choose a safer vehicle and pay lower rates
• At-fault accidents can raise rates significantly
• Keep rates low by comparing prices once a year

That last piece of advice is particularly vital, as was affirmed in the prior information. Rates in Pennsylvania fluctuate constantly, so you should be ready to buy a different policy if a better rate can be found.

Staying with the same car insurance company is fine, but it’s not a good idea if that inflexibility results in costing you thousands of dollars over the life of your policy. Spend a few minutes and compare prices to find cheaper insurance for real estate agents.