Who Has the Cheapest Car Insurance Quotes for Safe Drivers in Pennsylvania?

The words “low-cost” and “auto insurance” probably shouldn’t be used together, specifically when trying to find the lowest insurance rates for safe drivers. Because it’s so expensive, let’s go over some things the can have a considerable influence on auto insurance rates, and see how we can help you take a little off your next policy.

Deciphering which company offers the cheapest insurance rates for safe drivers will take a bit more work in order to find the lowest price quote. Each insurer has their own formula for determining prices, so let’s take a look at the insurance companies that tend to be cheaper in Pennsylvania.

It’s a good idea to know that Pennsylvania insurance rates are based on many factors that control the price you have to pay. Improving your credit rating, filing a claim, or having an at-fault accident may cause policy rate changes that can now make some companies more affordable than before.

Lowest Insurance Price Quotes for Safe Drivers

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General Casualty generally has some of the lowest car insurance rates in Pennsylvania at around $740 annually. USAA, Travelers, Erie, and Penn National also qualify as some of the lowest-priced Pennsylvania car insurance companies.

As the example above demonstrates, if you are currently insured with Erie and switched to General Casualty, you may realize an annual premium reduction of upwards of $76. Drivers with Penn National may save as much as $100 a year, and Amica policyholders might lower prices by up to $252 a year.

If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.

Bear in mind that those policy rates are averaged for all drivers and vehicles and are not factoring in a price decrease for safe drivers. So the car insurance company that fits you best may not even be in the rate chart shown above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.

The type of vehicle you are buying coverage for is a large consideration when shopping around for the cheapest auto insurance for safe drivers in Pennsylvania. Vehicles with economical engines, an excellent safety record, or low incidents of liability claims will cost less to insure than adrenaline junky models. The data below estimates car insurance costs for some of the cheapest vehicles to buy insurance for.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in Pennsylvania location which can modify auto insurance rates substantially.

Based on these rates, cars like the Chevrolet Traverse, Honda CR-V, and Ford Escape are most likely going to be the most economical vehicles to insure for good drivers.

For good drivers, one of the big components that car insurance companies use when figuring a rate quote is where you normally keep your vehicle in Pennsylvania. More densely populated places like Philadelphia, Levittown, and Norristown are more likely to have higher rates, whereas cities that are not as densely populated benefit from lower prices.

The following table sorts the most costly cities in Pennsylvania for safe drivers in which to purchase auto insurance.

Premium amounts are comparative as specific Pennsylvania garaging address can influence insurance rates greatly.

Picking a high-quality insurance provider can be challenging considering how many choices drivers have in Pennsylvania. The rank data below may help you select which car insurance companies you want to consider comparing prices from. The ratings below are only made up of companies with a national presence, so smaller companies that only insure vehicles in Pennsylvania are not included in these rankings.

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by Claims Service

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

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by A.M. Best Rating

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

The information below demonstrates how deductible levels can raise or lower insurance rates when searching for cheap insurance for safe drivers. The data is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

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A 40-year-old driver could reduce rates by $378 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $570 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could roll back prices $1,248 each year by selecting a higher deductible.

When using a larger deductible, it is important to have plenty of savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.

How to get the cheapest auto insurance for safe drivers in Pennsylvania

It is possible to find better rates, and here are some of the recommended money-saving solutions that can help you find low-cost car insurance.

• Buying your home and auto policies from the same company can earn a discount
• Having too many claims will increase rates substantially
• Increase physical damage deductibles
• Clean up your credit rating
• Drop full coverage on older vehicles
• Safer vehicles generally have cheaper insurance rates
• Comparison shop frequently

The final tip is extraordinarily crucial, as was affirmed in this write-up. Auto insurance prices fluctuate constantly, so drivers shouldn’t be reluctant to change insurance companies if a better rate can be found. Having a favorite company is great, but it’s not a great idea if that stubbornness costs you a wad of cash every year. Take a couple minutes and shop around to find cheaper car insurance for safe drivers.

Best cheap insurance quotes for good drivers

Thanks to technology, there are a lot of ways to find lower-cost insurance in Pennsylvania, but the most popular methods are through a captive (or exclusive) agent like Allstate or Liberty Mutual, an independent insurance agent, or from a direct company like Progressive or Geico. All three ways are similar, but insurance shoppers should know the differences in how they provide rate quotes.

Independent agencies can place your business with multiple companies and can compare rates with each one. These types of agents have the option to provide you with more rates, which may provide you with more bang for your buck. If your agent finds better pricing, the agent simply finds a different carrier which prevents you from having to find a new agency.

An exclusive agent is only able to write with a single company, two examples are an Allstate or Liberty Mutual agent. These agents are unable to provide other companys’ prices, which necessitates shopping around.

The third popular method of shopping for insurance is direct, which means you do not use local agents and instead shop direct either online or via phone. This option is good for families who do not have a need for a risk management assessment and know how their policy works.

So which method is best to buy the cheapest auto insurance for safe drivers in Pennsylvania? It would be simple to say buying from a direct car insurance company results in the cheapest price because there is no agent taking a commission, but unfortunately, it’s not that simple. We’d also like to say an independent agency saves the most money because they can shop around, but that assumption is also not accurate. And sometimes, the exclusive agents have coverage prices that independents and direct companies can’t touch.

Since insurance companies use so many rating factors, the best method to find out which one is cheapest is to get as many comparison quotes as possible. Be sure to get price quotes from all three to have enough rates to compare. For a list of companies offering online discounts in Pennsylvania, click here to view.