Who Has Cheap Auto Insurance Quotes for Handicapped Drivers in Pennsylvania?

Deciding which companies offer the cheapest car insurance rates for handicapped drivers will take more time than just picking a company at random.

Each insurer has their own unique process to set premium rates, so let’s take a look at the most competitive car insurance companies in Pennsylvania.

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General Casualty has some of the lowest car insurance rates in Pennsylvania at around $718 annually. Travelers, USAA, Erie, and Penn National also qualify as some of the more affordable Pennsylvania car insurance companies.

In this example, if you currently buy coverage from Erie and switched to Travelers, you could see savings of in the neighborhood of $37. Customers with Penn National could save as much as $53 a year, and Auto-Owners customers might lower prices by $184 a year.

If you would like to find cheap car insurance for handicapped drivers in Pennsylvania, click here to begin a quote or click several companies below for low rates.

Remember that these policy rates are averaged for all types of insureds and vehicles and do not take into consideration a rate discount for handicapped drivers. So the insurer that is best suited for you may not even be in the company chart above. That affirms the importance of why you need to get rate quotes using your own driver and vehicle profiles.

When buying insurance for drivers with handicaps, one of the key things that aid in calculating a rate quote is the neighborhood you call home. More densely populated places like Philadelphia, Chester, and Norristown will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.

The table below lists the most expensive areas in Pennsylvania for handicapped drivers to purchase a policy in.

Annual rates are comparative as the garaging address in Pennsylvania can raise or lower price quotes noticeably.

The vehicle model you are insuring is one of the largest factors when looking for cheap car insurance for handicapped drivers in Pennsylvania. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than higher performance models. The data below showcases insurance costs for a handful of the cheapest vehicles to insure.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific Pennsylvania garaging location which can affect prices substantially.

Based on these rates, you can conclude that vehicles like the Ford Escape, Honda CR-V, Dodge Grand Caravan, and Toyota Prius are going to be some of the less-costly vehicles to insure for drivers with handicaps.

The illustration below highlights how deductible choice can affect insurance costs when searching for cheap insurance for handicapped drivers. The price estimates are based on a single male driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3617,3275,2901,2549],[‘Age 30’, 1865,1703,1519,1339],[‘Age 40’, 1859,1687,1495,1309],[‘Age 50’, 1687,1535,1363,1199],[‘Age 60’, 1629,1481,1317,1161],[‘Age 70’, 1959,1793,1607,1435]]);var options = {title: ‘Impact of Deductible Levels on Insurance Prices in Pennsylvania’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 50-year-old driver could pocket $324 a year by changing from a $100 deductible up to a $500 deductible, or save $488 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could reduce their rates up to $1,068 every year by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will be required to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Does it make sense to buy full coverage?

Finding cheap car insurance for handicapped drivers in Pennsylvania is probably important to the majority of vehicle owners, and one common way to buy cheaper insurance is to buy liability only. The example below illustrates the difference between car insurance costs with full phyical damage coverage and with liability coverage only. The costs are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.

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

If averaged out across all ages, full coverage costs an additional $1,731 per year more than carrying just liability coverage. At some point, almost every driver questions if paying for full coverage is a waste of money. There isn’t a steadfast formula that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s claim settlement value is $8,500 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $7,500 after you pay the deductible. If you are paying over $750 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

How to find budget-friendly auto insurance for handicapped drivers

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help you buy low-cost car insurance.

• Save money by bundling your home and auto policies
• Do not get into accidents that are your fault
• Vehicles with safetly features generally cost less to insure
• Pay for small claims rather than turning them in to your insurance company
• Violations and traffic tickets increase rates
• Ensure you have the best deal by shopping around regularly

The last tip is especially crucial, as was pointed out in this write-up. Insurance prices can change considerably based on profitability, so don’t be hesitant to switch to a new company if you find a cheaper price.

Having brand loyalty is commendable, but is isn’t recommended if that loyalty ends up costing hundreds of dollars a year. In just a couple of minutes you could shop around to find cheaper auto insurance for handicapped drivers.