Who Has Cheap Insurance for Used Cars in Pennsylvania?

The words “low-priced” and “insurance” really shouldn’t be used together, in particular when trying to find the best car insurance rates for used cars. To help control this cost, let’s lead off by showing you some of the things that have an effect on insurance rates, and find some ways to take the bite out of the next policy you buy.

The make and model of vehicle requiring insurance is a large factor when quoting economical coverage for used cars. Vehicles with limited speed and performance, a plethora of safety features, or a positive history of liability claims will cost much less to insure than higher performance models.

The list below illustrates auto insurance costs for some of the most budget-friendly vehicles to buy insurance for.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can alter coverage prices substantially.

Based upon the rates shown, you can see that cars like the Ford F-150, Subaru Forester, Ford Edge, Chevrolet Malibu, and Toyota Sienna are most likely going to be the more affordable vehicles to insure for pre-owned vehicles.

For Pennsylvania drivers, one of the components that is looked at to determine the policy price is your zip code in Pennsylvania. Areas with a lot of weather claims or more people like Philadelphia, Chester, and Norristown will most likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.

The following table sorts the priciest cities in Pennsylvania for used cars to purchase auto insurance in.

Information shown are comparative as the specific area where the vehicle is garaged can decrease or increase rates noticeably.

Driving violations and accidents

A great way to get cheap insurance for used cars in Pennsylvania is to pay attention while driving and maintain a clean driving record. The chart below illustrates how violations and fender-benders can impact car insurance rates for different ages of insureds. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of auto insurance in Pennsylvania per year with no accidents and a clean driving record is $1,179. Factor in two speeding tickets and the average cost surges to $1,614, an increase of $435 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for used cars jumps again to an average of $2,056. That’s an increase of $878, or $73 per month, just for not driving attentively!

Discounts on cheap insurance for used cars in Pennsylvania

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-used-cars-pa.jpg" alt="Cheaper Pennsylvania car insurance for pre-owned vehicles”/>Insurers that provide policies for used cars may also give you rate discounts that could lower prices by as much as 40% or more if you are eligible to receive them. A list of car insurance companies and some of the premium reductions they offer are outlined below.

• State Farm includes discounts for defensive driving training, multiple autos, student away at school, good driver, and passive restraint.
• American Family policyholders can earn discounts including defensive driver, multi-vehicle, Steer into Savings, bundled insurance, TimeAway discount, and air bags.
• GEICO offers discounts including anti-theft, seat belt use, good student, military active duty, multi-policy, daytime running lights, and membership and employees.
• 21st Century may include discounts for student driver, good student, air bags, anti-lock brakes, and 55 and older.
• Progressive discounts include homeowner, continuous coverage, online signing, multi-policy, multi-vehicle, good student, and online quote discount.

The chart below shows the comparison of premium costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, multiple policy, vehicle safety, homeowner, passive restraint, and safe-driver discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for used cars is 28% or $411.

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