Auto Insurance Quotes PA
Auto Insurance Quotes PA – Whether you are looking to start new coverage or switch to Safe Auto. You will want to make sure you have the minimum auto insurance quotes pa coverage that Pennsylvania law requires. Pennsylvania car insurance laws ensure that residents have both Medical Benefits coverage and Liability coverage. These requirements serve to fully protect PA drivers in case of an accident. SafeAuto can help you get cheap car insurance rates that meet Pennsylvania’s state minimum requirements auto insurance quotes pa.
Cheapest Auto Insurance Quotes PA
In order to determine which companies had the cheapest car insurance rates in Pennsylvania. We researched quotes for a sample driver across 23 carriers in 57 cities in the state. Based on this benchmark, here are the five providers with the best auto insurance quotes pa.
Find the Cheapest Auto Insurance Quotes in Your Area
The auto insurance quotes pa average annual rates were based off a single 30 year old man. It also served as the benchmark we used to compare the providers against each other. Your actual quotes will differ based on your own driving background and need for coverage.
The Most Expensive Auto Insurance Companies in Pennsylvania
Safe Auto and American Independent ranked with the highest overall average annual rates for our benchmark driver. They quoted our profiled drivers $2,721 per year on average for coverage. In context, that’s about 66% more expensive than the 23-company. Composite of $1,644 for the same group of motorists in PA. For the full list, the table below ranks those insurance companies. From those with the best auto insurance quotes pa rates to the most expensive ones.
| Rank | Auto Insurance Company | Average Annual Rates |
|---|---|---|
| 1 | General Casualty | $959 |
| 2 | Erie | $968 |
| 3 | Harleysville | $1,127 |
| 4 | Atlantic States | $1,144 |
| 5 | Auto Owners | $1,157 |
| 6 | State Farm | $1,162 |
| 7 | Nationwide | $1,309 |
| 8 | Allied | $1,360 |
| 9 | Donegal Mutual | $1,372 |
| 10 | The Hartford | $1,379 |
| 11 | State Auto | $1,452 |
| 12 | Allstate | $1,461 |
| 13 | Progressive | $1,472 |
| 14 | Chubb | $1,534 |
| 15 | Mutual Benefit Group | $1,601 |
| 16 | GEICO | $1,630 |
| 17 | Motorists Mutual | $2,020 |
| 18 | MetLife | $2,097 |
| 19 | National General | $2,105 |
| 20 | Mercury | $2,351 |
| 21 | American Independent | $2,443 |
| 22 | Safe Auto | $2,556 |
| 23 | Sentry | $3,163 |
Pennsylvania Auto Insurance Averages
auto insurance quotes pa just how much more it cost to insure a vehicle. In Pennsylvania Auto insurance is obviously different depending on the type of coverage you buy. But since the national average expenditure for car insurance is $795 a year and PA‘s average is $820. It can easily be inferred that Pennsylvanians are likely to pay a bit more on average for just about any type of coverage.
How Pennsylvania Auto Insurance Rates Are Determined
Auto Insurance Quotes PA is more expensive when the company providing your policy views you situation as more of a risk. Reducing the amount of coverage you have and raising your deductible both lower the amount of money. The insurance company will need to pay out when an accident occurs, making your policy less risky and, subsequently, more affordable.
Other risk factors like high population densities, high repair costs, a poor driving record or credit history, and a lack of driving experience will raise the cost of auto insurance quotes pa. Pennsylvania is definitely diverse, and rates can vary dramatically depending on your location, but since insurance companies determine your premiums by weighing your risk factors, increasing or decreasing these factors will bring your corresponding penalties.
How Pennsylvania Auto Insurance Quotes Can Help You
For some people, auto insurance quotes pa are pretty similar across the board; for others, one company may be charging hundreds of dollars a year less than another for the exact same coverage. The only way to tell, however, if a company is offering people of your situation a vastly lower rate is to get multiple quotes and compare them to your current premiums.
The beautiful thing about auto insurance quotes pa is that no matter who you are, where you live, or what you drive, getting multiple quotes will tell you if a better deal is available. Whether your risk factors are relatively high or incredibly low, different companies will view each individual situation slightly differently, and because of this, can offer different premiums.
Determining Your Auto Insurance Rates in PA
When shopping for car insurance, several factors go into determining the rates you see on your car insurance quotes. These factors include:-
- The limits of your coverage.
- Any optional coverage you purchased.
- Your deductible (the amount of your coverage you are responsible for paying).
- The higher your deductible is, the lower your premium will be.
- Your car’s make, model, and year.
- If you driving record.
- Your credit history.
Pennsylvania auto insurance companies are NOT allowed to use the following to determine your rates:
- Age.
- Race.
- Religion.
- Nationality or ethnic group.
- Marital status.
- Job.
- Size of family.
- Place of residence.
Using net Quote for PA Auto Insurance Quotes
While getting multiple quotes from several different companies might have been a real hassle in the past. It also net quote has made the process of finding The beautiful thing about auto insurance quotes pa is that no matter who you are, where you live, or what you drive, getting multiple quotes will tell you if a better deal is available. Whether your risk factors are relatively high or incredibly low, different companies will view each individual situation slightly differently, and because of this, can offer different premiums.
After filling out a brief form and entering your zip code, netQuote will give you estimates from several different insurance providers in your area, all without the hassle of making multiple phone calls or hearing several sales pitches. Once the numbers are in front of you, you can examine them from the comfort of your home computer, hopefully finding Hence much better deal than you thought possible.
Minimum Requirements for Car Insurance in Pennsylvania
- Medical Payments minimum:
- $5,000 per accident
- Liability minimums:
- $15,000 per person.
- $30,000 per accident.
- $15,000 per accident for property damages.
Basic Liability Coverage
Auto Insurance Quotes PA policy with basic liability coverage. This is the bare minimum to legally drive in any state, although minimum coverage amounts vary. It is also advisable to get otherwise additional coverage beyond the minimum, seeing Such as most serious accidents cost much more than that.
Optional PA Auto Coverage Types
When purchasing insurance, you will be given the option to buy higher limits on your medical benefits and liability coverage. You may also choose to buy the following optional types of auto insurance coverage:
- Collision – This will help pay for accident-related damage to your car.
- Comprehensive – This is coverage type helps pay for damage to your car that resulted from an incident not involving a car collision (e.g., vandalism).
- Uninsured – This coverage type helps pay your medical bills should be you get in to an accident with an uninsured driver.
- Underinsured – This coverage will pay your medical expenses up to your limits that exceed in case the insurance coverage limits of a driver who caused an accident with you (the “at-fault” driver).
- Rental car reimbursement.
- Towing.
- Funeral.
Car Insurance Benefits Offered for Pennsylvania Drivers
These are just some of the benefits that the auto insurance quotes pa Program from The Hartford can offer Pennsylvania drivers. It also Program’s car insurance benefits include:
- Lifetime Renewability
- 12-month Rate Protection
- New Car Replacement
- Accident Forgiveness
- Disappearing Deductible
- 24/7 Claim Service.