Who Has the Cheapest Auto Insurance Quotes for Teenage Males in Pennsylvania?

Wouldn’t it be so easy if we could look into our crystal ball and tell you the one company that has the lowest car insurance rates for teenage males? It’s just not that simple, as there are a whole bunch of unknown elements like if your vehicle is used for personal use or work, if you just need liability coverage, and whether you have good or poor credit, that all go into determining the rate you pay. This article will discuss the different ways you can keep rates low and will give you a jump start in finding the best auto insurance.

The make and model of vehicle you are trying to insure is one of the largest factors when shopping around for economical coverage for teenage males. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than more economical and safe models. The next table illustrates auto insurance prices for some of the cheaper vehicles to buy coverage for.

Price data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can impact insurance rates significantly.

By looking at the data, you can see that cars like the Ford Escape, Honda CR-V, Hyundai Elantra, Chevrolet Traverse, and Toyota Prius are the most budget-friendly vehicles to insure for teen boys. The price for car insurance will be more costly because of the fact that there is more claim risk for teenage males, but overall those particular models will most likely have the cheapest auto insurance rates available.

One of the more important factors that car insurance companies use to calculate the price of your policy is where your home is located in Pennsylvania. Regions with larger populations or more claims like Philadelphia, Chester, and Norristown tend to have higher rates, whereas areas with lower crime rates and fewer weather claims enjoy lower car insurance rates.

The following table lists the priciest cities in Pennsylvania for teenage males to purchase auto insurance in.

Premium costs are estimated as specific Pennsylvania garaging address can decrease or increase auto insurance rates considerably.

Types of discounts on Pennsylvania auto insurance

Insurers that sell the cheapest car insurance for teenage males in Pennsylvania may have premium discounts that could lower prices by as much as 25% or more if you meet specific eligibility requirements. A few of the larger companies and their offered discounts are:

The information below compares premium costs with and without policy discounts. The costs are based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, good student, paperless filing, paid-in-full, passive restraint, and continuous coverage discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for teenage males is 33% or $645.

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Difference between full coverage and liability only rates

Finding the cheapest car insurance for teenage males in Pennsylvania is important to the majority of drivers, and one of the fastest ways to buy cheap insurance is to only buy liability coverage. The chart below shows the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

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On average, comprehensive and collision coverage on your policy costs $1,889 per year more than carrying just liability coverage. That is a big expense that brings up the question if buying full coverage is a waste of money. There is no written rule of when to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

How to get the cheapest car insurance for teenage males in Pennsylvania

Here are some thrifty suggestions that can help Pennsylvania drivers locate more affordable car insurance.

• Frequent claims may make car insurance unaffordable
• Higher credit ratings may save you money
• Do not get tickets or violations
• Vehicles with good safety ratings have lower liability rates
• Having at-fault accidents will increase rates
• Check for cheaper rates once a year

That last tip is remarkably necessary, as we stressed in this article. Coverage prices in Pennsylvania vary considerably, so don’t hesitate to buy from a different company if you can save money. Loyalty to a specific company is fine, but it’s not a great idea if it’s costing you a lot of money every month. Take a couple minutes and compare rates to find cheaper insurance for teenage males.

Best cheap insurance quotes for teen boys

There are many ways to find affordable car insurance in Pennsylvania, but the three most common are through an exclusive insurance agent like Allstate or State Farm, an independent agent, or buying direct from a company like Progressive or Geico.

You can use whichever method you prefer, but car insurance buyers need to understand the differences in how they provide rate quotes.

Independent insurance agents work with multiple companies and can compare coverage rates with each one. These types of agencies are not employed by only one company and can give you more rates, which may provide you with the best shot at cutting your rates. If a cheaper rate is found, your policy can be moved and that require little work on your part.

Exclusive agencies are only able to write business for one insurance company such as Liberty Mutual and Allstate agents. These guys and gals cannot quote prices from more than just one company, so if rates are high, they cannot give you alternative choices.

If you choose to buy car insurance direct, you skip a local agent and instead buy from a direct company like Progressive. Buying car insurance direct may be a decent choice consumers who do not need advice for asset protection and have an above average understanding of what limits they need.

What is the best way to buy the cheapest car insurance for teenage males in Pennsylvania? We wish we could say buying from a direct company results in the best prices because there isn’t an agent involved, but that is not always the case. A valid argument could also be made that using an independent agent saves the most money because they can quote many companies, but that is not necessarily true either. In some circumstances, exclusive agencies have extremely competitive rates that are the lowest in Pennsylvania.

Since car insurance prices vary so much, the best way to ensure the lowest rates is to compare lots of quotes. To cover all the bases, get prices from all three types to give yourself the best selection. For a list of companies with cheap rates in Pennsylvania, click here to view.