Cheapest Car Insurance for Low Mileage Drivers in Pennsylvania

It’s hard to avoid all the captivating ads from car insurance companies like Allstate, Liberty Mutual, and State Farm promising the cheapest rates. So you should just choose the one with the best commercial, right?

It’s not quite that easy, unfortunately, as there are a whole slew of unknown factors such as the neighborhood you live in, the vehicle you are insuring, and what liability limits you need. Car insurance is kind of a dry topic, but this article will explain the best ways to pay less and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance.

Trying to buy cost effective insurance is not most people’s favorite thing to do, and figuring out which company offers the lowest-priced auto insurance rates for low mileage drivers calls for even more shopping around. Each company uses different criteria to establish rates, so let’s take a look at the overall cheapest auto insurance companies in Pennsylvania.

It’s important that you understand Pennsylvania auto insurance rates are determined by lots of factors that can increase the price of coverage. Things like getting older, having a teenage driver, or having a fender bender may prompt premium changes that can make some companies more affordable than competitors.

Best Auto Insurance Prices in Pennsylvania

Compare Rates Today

General Casualty may offer some of the most affordable car insurance rates in Pennsylvania at around $740 annually. Travelers, Penn National, USAA, and Erie would also be considered some of the cheaper Pennsylvania insurance companies.

In the rate table above, if you are insured with USAA and switched to Travelers, you could earn savings of roughly $30. Drivers with Erie might save as much as $37 a year, and Auto-Owners customers might reduce rates by $206 a year.

Remember that these estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a price decrease for low mileage drivers. So the insurer that can offer you the best rate may not even be in the above list. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.

When shopping for cheaper car insurance for infrequent drivers, one of the many components that help determine the cost of insurance is where your car is garaged in Pennsylvania. More densely populated places like Philadelphia, Levittown, and Norristown will most likely pay more, whereas areas that are not as densely populated get the luxury of paying less.

The information below sorts the most expensive cities in Pennsylvania for low mileage drivers in which to buy car insurance.

Annual rates are estimated as the garaging address in Pennsylvania can decrease or increase prices substantially.

The car, truck, or SUV to be insured is probably the most important factor when trying to find the cheapest auto insurance for low mileage drivers in Pennsylvania. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.

The next list presents auto insurance rates for a handful of the most cost-effective automobiles to buy insurance for.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific location information which can revise coverage prices substantially.

Looking at the data, we can infer that models like the Hyundai Elantra, Honda CR-V, and Ford Focus will definitely be a few of the cheaper vehicles to insure for infrequent drivers.

How violations and accidents impact rates

In a perfect world, the ideal way to enjoy the cheapest auto insurance premiums in Pennsylvania for infrequent drivers is to be a safe driver and avoid traffic citations and accidents. The information below highlights how speeding tickets and at-fault accidents can impact yearly insurance costs for different age groups. The data is based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1973,2407,2851],[‘Age 30’, 1331,1765,2207],[‘Age 40’, 1245,1683,2125],[‘Age 50’, 1091,1527,1969],[‘Age 60’, 1057,1493,1935],[‘Age 70’, 1247,1683,2125]]);var options = {title: ‘Effect of Violations and Accidents on Pennsylvania Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of a car insurance policy in Pennsylvania per year with no violations or accidents is $1,324. Get written up for two speeding tickets and the average cost increases to $1,760, an increase of $436 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for low mileage drivers increases to an average of $2,202. That’s an increase of $878, or $73 per month, just for not being more responsible behind the wheel!

The example below shows how choosing a deductible can affect insurance premiums when getting quotes for cheap insurance for low mileage drivers. The costs are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3233,2949,2639,2345],[‘Age 30’, 1683,1549,1393,1241],[‘Age 40’, 1667,1525,1363,1207],[‘Age 50’, 1515,1389,1245,1107],[‘Age 60’, 1463,1343,1205,1073],[‘Age 70’, 1773,1633,1479,1335]]);var options = {title: ‘Comparison of Deductible Levels and Insurance Rates in Pennsylvania’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could cut expenses by $270 a year by increasing from a $100 deductible to a $500 deductible, or save $408 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could save up to $888 each year just by using higher deductibles. When raising deductibles, it is a good idea to have plenty of money set aside to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find the cheapest insurance for low mileage drivers

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving ideas that can help drivers get cheaper car insurance.

• Avoid filing excessive claims
• Save money by observing traffic laws and speed limits
• Higher credit scores may earn you cheaper rates
• Do not get into accidents that are your fault
• Drive vehicles with five-star safety ratings
• Compare rate quotes frequently

The last suggestion is very necessary, as we noted in this write-up. Prices in Pennsylvania change a lot, so don’t be hesitant to switch companies if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. It only take a few minutes to shop around and find cheaper car insurance for low mileage drivers.