Are you drained from scraping the payment together to make your auto insurance payment? You are in the same boat as most other consumers in Pennsylvania.
Unbelievable but true according to a study most auto insurance policyholders in Pennsylvania kept their policy with the same company for four years or more, and roughly 40% of drivers have never even compared quotes to find affordable rates. Consumers in the U.S. could save an average of nearly $860 each year by just shopping around, but they assume it's a waste of time to save money by comparing rate quotes.
Popular companies such as GEICO, 21st Century and Progressive persitently shower you with ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
To find the best car insurance prices, there are several ways to get quotes from lots of Pennsylvania car insurance companies. The quickest method to compare insurance prices consists of shopping online.
Getting free rates online is quite simple, and it replaces the need to spend time driving to insurance agencies in your area. Comparing car insurance rates online makes this process obsolete unless you have a need for the extra assistance that only an agent can give. Although, it is possible price shop your coverage online and still use a local Chester agent. When comparison shopping, comparing more rates from different companies helps you find a lower rate. Some smaller insurers do not give price estimates online, so it's recommended that you also compare price quotes from those companies as well.
The providers in the list below provide price comparisons in Pennsylvania. To buy cheap car insurance in Pennsylvania, we recommend you visit as many as you can in order to find the most competitive rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Extended Cab 2WD||$1,058||$529||$88|
|Dodge Grand Caravan CV||$976||$488||$81|
|Dodge Ram Quad Cab ST 2WD||$886||$443||$74|
|Ford Escape Limited 4WD||$916||$458||$76|
|Ford F-150 FX4 Super Cab 4WD||$896||$448||$75|
|Ford Focus SES 4-Dr Sedan||$1,000||$500||$83|
|Honda Accord LX 4-Dr Sedan||$874||$437||$73|
|Honda CR-V EX-L 4WD||$664||$332||$55|
|Honda Civic LX 2-Dr Coupe||$1,204||$602||$100|
|Hyundai Sonata GLS 4-Dr Sedan||$1,074||$537||$90|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,214||$607||$101|
|Kia Optima LX||$1,026||$513||$86|
|Mazda 3 S Sport 4-Dr Sedan||$1,366||$683||$114|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,364||$682||$114|
|Toyota Camry SE||$924||$462||$77|
|Toyota Corolla S||$1,062||$531||$89|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Table data does not factor in zip code location which can affect coverage prices greatly.
Policy deductible comparison
When shopping for car insurance, a common question is where to set your physical damage deductibles. The comparison tables below summarize the price difference between high and low physical damage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in your specific Chester location which can modify premium rates greatly.
Based on the above data, using a $100 deductible will cost you about $25 more each month or $300 every year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 16 months between claim filings, you would save money if you choose a higher deductible.
How to calculate if higher deductibles make sense
|Average monthly premium for $100 deductibles:||$118|
|Average monthly premium for $500 deductibles (subtract):||- $93|
|Monthly savings from raising deductible:||$25|
|Difference between deductibles ($500 - $100):||$400|
|Divide difference by monthly savings:||$400 / $25|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||16 months|
Responsible drivers pay cheaper car insurance rates
The example below demonstrates how traffic citations and at-fault fender-benders impact Nissan Altima insurance costs for different ages of insureds. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Earn discounts to get lower-cost Chester car insurance quotes
Some insurance providers don't always publicize the entire discount list in a way that's easy to find, so we break down some of the more common and the more hidden credits that may apply to you. If you do not double check each discount available, it's possible you qualify for a lower rate.
- Seat Belts Save more than Lives - Drivers who require all vehicle occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
- Sign Online - A few car insurance companies will provide an incentive simply for signing on their website.
- Good Student - Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
- Pay Upfront and Save - If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
- Theft Deterrent Discount - Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a Chester car insurance quote.
- Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of up to 25% or more.
- Life Insurance - Larger car insurance companies have a discounted price on car insurance if you buy some life insurance too.
Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, companies don't profit that way.
To see providers who offer discounts in Chester, click this link.
Are car insurance agents of importance?
Many people would rather get advice from a local agent and that is just fine! The biggest benefit of getting online price quotes is you can get lower premium rates and still have an agent to talk to. Buying insurance from local agencies is important particularly in Chester.
For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to agents in your area that give free quotes to get your business. There is no need to contact any insurance agencies because prices are sent instantly to you. It's the lowest rates and a licensed agent to talk to. If you wish to compare prices from one company in particular, you would need to search and find their rate quote page and complete a quote there.
Selecting an provider shouldn't rely on just a cheap price. These are valid questions to ask:
- Will the quote change when the policy is issued?
- Can you choose the body shop in case repairs are needed?
- Do you qualify for any additional discounts?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What is the agency's Better Business Bureau rating?
- If they are an independent agency in Chester, which companies do they recommend?
- Who are their largest clients?
After receiving answers to your satisfaction to any questions you have and an acceptable price quote, you've probably found an provider that meets the criteria to service your policy. But keep in mind it's your policy and you can cancel coverage whenever you want so never assume that you are permanently stuck with a policy indefinitely.
Car insurance policy specifics
Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you'll find typical coverages found on most car insurance policies.
Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your vehicle.
Due to the fact that many Pennsylvania drivers only carry the minimum required liability limits (15/30/5), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.
Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hitting a bird, falling objects and fire damage. The highest amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Collision coverage - Collision insurance will pay to fix damage to your vehicle resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as backing into a parked car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper collision rates.
Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for bills such as doctor visits, ambulance fees and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto liability - Liability coverage can cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/5 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims such as emergency aid, court costs, bail bonds, repair bills for other people's vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but drivers should carry higher limits.
Shop around and save
Cheaper insurance in Chester can be found from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some insurance companies may not provide rate quotes online and these small, regional companies provide coverage only through local independent agents.
When you buy Chester car insurance online, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest price and still be able to protect your assets.
- Side Impact Crash Tests (iihs.org)
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- Who Has Affordable Car Insurance for High School Students in Pennsylvania? (FAQ)
- Who Has Cheap Car Insurance Quotes for Hybrid Vehicles in Pennsylvania? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)