Cheapest Auto Insurance for Good Students in Pennsylvania

When shopping for cheaper auto insurance for student drivers, one of the many things that is looked at to help calculate the amount you pay each year for auto insurance is where your residence is in Pennsylvania. Areas with more people or even just a higher incidence of claims like Philadelphia, Chester, and Norristown tend to have higher rates, whereas areas that are not as densely populated profit from lower rates.

The information below rates the highest-priced areas in Pennsylvania for good students in which to purchase auto insurance.

Annual rates are comparative as the specific area where the vehicle is garaged can decrease or increase prices greatly.

The vehicle you are buying coverage for is one of the primary factors in finding cheap coverage for good students. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost more to insure than more economical and safe models. The information below illustrates auto insurance costs for a selection of the most budget-friendly vehicles to insure.

Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific location information which can change insurance rates greatly.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices significantly.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific Pennsylvania garaging location which can revise prices noticeably.

Discounts on Pennsylvania insurance

Insurance providers that offer the cheapest car insurance for good students in Pennsylvania may additionally offer rate discounts that could potentially reduce rates by 40% or more if you meet eligibility requirements. A list of insurance companies and their possible discounts are:

• Progressive offers discounts including good student, multi-vehicle, online signing, online quote discount, continuous coverage, and multi-policy.
• The Hartford has savings for good student, anti-theft, bundle, driver training, vehicle fuel type, and defensive driver.
• Mercury Insurance offers discounts for good student, anti-theft, professional/association, age of vehicle, good driver, and location of vehicle.
• GEICO may have discounts that include membership and employees, defensive driver, anti-theft, daytime running lights, five-year accident-free, and multi-vehicle.
• AAA includes discounts for anti-theft, good student, AAA membership discount, multi-policy, pay-in-full, and education and occupation.
• State Farm offers premium reductions for anti-theft, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, safe vehicle, and student away at school.

The example below illustrates the difference between insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with good student, continuous coverage, paperless filing, paid-in-full, vehicle safety, and passive restraint discounts applied. When these discounts are applied, the the amount saved on insurance for good students is 28% or $531.

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Bad driving habits will cost you more

In a perfect world, the ideal way to earn the cheapest insurance premiums in Pennsylvania for student drivers is to drive cautiously and avoid at-fault accidents and violations. The chart below illustrates how violations and at-fault fender-benders influence auto insurance rates for each different age group. The costs are based on a single male driver, full coverage, $500 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’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2639,2835,3383],[‘Age 30’, 1393,1589,2137],[‘Age 40’, 1363,1557,2107],[‘Age 50’, 1245,1439,1989],[‘Age 60’, 1205,1401,1949],[‘Age 70’, 1479,1675,2225]]);var options = {title: ‘Impact of Tickets and Claims on Pennsylvania Insurance Prices’,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);}

The data in the chart shows the average cost of car insurance per year with no accidents or violations is $1,554. Receive one speeding ticket and the average cost jumps to $1,749, an increase of $195 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for good students increases to an average of $2,298. That’s an increase of $744, or $62 per month, just for being a little careless behind the wheel!