Cheap Car Insurance Quotes for Unemployed Drivers in Pennsylvania

You have probably watched the catchy commercials from auto insurance companies like Nationwide and Progressive that make claims of the cheapest rates. So you just need to pick the one with the catchiest commercial, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements like whether you have good or poor credit, whether you are single or married, and the safety features built into your vehicle, that all impact the price you pay. This article delves into the best ways to shop for cheaper coverage and will hopefully give the reader some help in finding cheaper rates.

The model of vehicle on the policy is a large consideration when trying to find cheap auto insurance for unemployed drivers in Pennsylvania. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost significantly less to insure than higher performance models.

The information below outlines auto insurance premiums for a selection of the most cost-effective automobiles to buy insurance for.

Data 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. Information does not factor in your specific Pennsylvania location which can change rates significantly.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in vehicle location which can lower or raise coverage prices considerably.

Premium data assumes single female 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, safe-driver, and multi-vehicle. Estimates do not factor in Pennsylvania location which can change coverage prices noticeably.

Finding decent, cheap car insurance is tough enough, and figuring out which companies quote the cheapest auto insurance rates for unemployed drivers takes even more perseverance.

Every car insurance company has their own guidelines for determining rates in each state, so let’s take a look at the overall cheapest auto insurance companies in Pennsylvania. We do need to point out that Pennsylvania auto insurance rates are impacted by many factors that may substantially change the price you have to pay for coverage. Price variation is why Pennsylvania drivers need to compare lots of rates when trying to get cheap auto insurance quotes for unemployed drivers. Insurance rates consist of many risk factors and can change without notice, so the best company the last time you shopped your coverage around may now be an over-priced policy.

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General Casualty may have some of the most affordable car insurance rates in Pennsylvania at around $748 a year. USAA, Travelers, Erie, and Penn National would also be considered some of the more affordable Pennsylvania car insurance companies.

As shown above, if you have coverage with Erie and switched to USAA, you could realize a yearly price reduction of approxmiately $15. Insureds with Penn National may save as much as $31 a year, and Amica insureds might reduce prices by as much as $207 a year.

To compare your rates to other Pennsylvania insurance companies, click here to start your custom quote or quote prices from the following companies.

These estimates are averages across all drivers and vehicles and do not factor in a price decrease for unemployed drivers. So the car insurance company that is best suited for you may not even be in the company chart above. That underscores the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Drive responsibly or pay higher rates

One of the best ways to receive the cheapest auto insurance rates in Pennsylvania for the unemployed is to be a careful driver and not have accidents or get tickets. The chart below illustrates how violations and accident claims can raise insurance premiums for each different age category. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

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In the previous chart, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,337. Get two speeding tickets and the average cost hikes up to $1,896, an increase of $560 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for unemployed drivers increases to an average of $2,456. That’s an increase of $1,119, or $93 per month, just for being a careless driver!

Choosing a high-quality insurance company can be a challenge considering how many companies there are in Pennsylvania. The ranking data listed below could help you pick which auto insurance companies you want to consider when comparing insurance rates for unemployed drivers. The rankings below are only comprised of the largest companies in America, so companies without a large exposure are not included in the list.

Top 10 Major Auto Insurers in Pennsylvania Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top 10 Major Auto Insurers in Pennsylvania Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Tips for buying low-cost insurance for unemployed drivers

It is possible to find better rates, and here are some thrifty suggestions that can help Pennsylvania drivers quote cheap coverage.

• Drive safe vehicles
• Buy your auto and home insurance from the same company and save
• Drop full coverage on older vehicles
• Clean up your credit
• Higher comprehensive and collision coverage deductibles will save money
• Don’t have frequent claims
• Compare rates and switch if you can find a better deal

The last suggestion is especially valuable, as we noted in this write-up. Auto insurance rates in Pennsylvania change constantly, so don’t be tentative to buy from a different company if a cheaper rate is available.

Brand loyalty is not necessarily bad, but we do not recommend it if that devotedness results in you overpaying a small fortune year after year. It only takes a couple minutes to shop around to find cheaper auto insurance for unemployed drivers.