Cheap Car Insurance Quotes for Immigrants in Pennsylvania

Life would sure be easier if we could simply tell you the one car insurance company that has the cheapest coverage in Pennsylvania. It’s just not that simple, as there are a ton of unknown aspects such as if you currently have coverage, if you have any driving citations, the safety features built into your vehicle, and whether you are a woman or a man. If you keep reading, we will teach you about these factors and others that can influence the price of auto insurance and should give you some help in finding cheaper rates.

Finding out which companies offer the most affordable car insurance rates for immigrants involves a little more work in order to find a policy that fits your budget. Every insurance company has their own unique process for determining prices, so let’s take a look at the overall cheapest car insurance companies in Pennsylvania.

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General Casualty may offer some of the cheapest car insurance rates in Pennsylvania at around $748 annually. Penn National, Travelers, Erie, and USAA also are some of the more affordable Pennsylvania car insurance companies.

In the rate table above, if you are a policyholder with Erie and switched to General Casualty, you might achieve a yearly savings of about $68. Policyholders with USAA may save as much as $69 a year, and Auto-Owners customers might lower prices by up to $255 a year.

Remember that these premiums are averaged across all types of insureds and vehicles and do not factor in a rate decrease for immigrants. So the auto insurance company that can offer you the best price may not even be in the list of companies shown earlier. That underscores the importance of why you need to get quotes using your own specific driver and vehicle information.

For Pennsylvania drivers, one of the factors used to establish the price you pay for insurance is where your residence is in Pennsylvania. Regions with larger populations or more claims like Philadelphia, Levittown, and Norristown tend to pay higher rates, whereas more rural areas benefit from having to pay less for coverage.

The following table rates the most costly cities in Pennsylvania for immigrants to purchase car insurance in.

Table data uses approximated as the specific garaging location can alter premiums substantially.

The chart below demonstrates how choosing different deductibles can increase or decrease insurance costs when researching cheap insurance for immigrants. The costs are based on a married female driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2773,2537,2273,2023],[‘Age 30’, 1939,1769,1575,1389],[‘Age 40’, 1919,1753,1565,1387],[‘Age 50’, 1681,1539,1377,1225],[‘Age 60’, 1601,1465,1311,1163],[‘Age 70’, 1735,1585,1423,1271]]);var options = {title: ‘Deductible Levels and Car Insurance Rates in Pennsylvania’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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 lower their policy premium by $304 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save $750 each year by choosing a higher deductible.

If you make the decision to raise deductibles, it is essential to have enough spare savings to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Full coverage rates vs. liability-only in Pennsylvania

Finding cheap auto insurance for immigrants in Pennsylvania should be important to the majority of vehicle owners, and one easy way to reduce the cost of insurance is to only pay for liability coverage. The diagram below compares premium costs when comparing full coverage to liability only. Data assumes no claims or driving citations, $250 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2949,999],[‘Age 30’, 1549,551],[‘Age 40’, 1525,511],[‘Age 50’, 1389,479],[‘Age 60’, 1343,471],[‘Age 70’, 1633,627]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, full coverage on your policy costs $1,731 per year over having just liability coverage. At some point, about every driver wonders if buying full coverage is a good investment. There is no set rule for dropping physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $9,000 after the deductible is paid. If you are paying over $900 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are a few cases where only buying liability is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Find cheap auto insurance for immigrants in Pennsylvania

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help Pennsylvania drivers quote lower-cost coverage.

• Good credit can help you save money
• Save money by observing traffic laws and speed limits
• If your vehicles are older, consider dropping full coverage
• Vehicles with safetly features generally cost less to insure
• Avoid accidents
• Raise your deductibles
• Keep rates low by shopping around frequently

The last tip is incredibly important, as we pointed out in this piece. Prices vary greatly, so don’t hesitate to buy a different policy if a better deal can be had.

Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing several hundred dollars every year. Now is a great time to compare rates and find cheaper insurance for immigrants.