Do you want to learn to get cheaper car insurance rates in Harrisburg, PA? Finding the lowest cost quotes on the internet might seem overwhelming for vehicle owners that are not comfortable with quoting and comparing rates and buying car insurance over the internet. With such a large choice of insurers available, how can anyone effectively compare every car insurance company to find the best available price?

Sad but true, a large majority of consumers have been with the same company for at least four years, and just under half have never compared car insurance rates at all. Pennsylvania drivers could save 55% a year by just comparing quotes, but they just don't understand the large savings they would see if they switched to a more affordable policy.

It's a good habit to do rate comparisons before your policy renews because prices go up and down regularly. Even if you think you had the best deal on car insurance on your last policy there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because I'm going to teach you how to use online quotes to save on car insurance.

Locating the most cost-effective auto insurance policy in Harrisburg seems hard but is not really that difficult. If you already have coverage, you will definitely be able to find better prices using the ideas you're about to read. But Pennsylvania car owners need to learn the methods companies use to determine how much to charge.

When shopping for affordable Harrisburg auto insurance quotes, there are a couple of ways to compare prices from many different Pennsylvania insurance companies. The easiest way by far to comparison shop is to get quotes online.

Just keep in mind that comparing more rates from different companies provides better odds of finding a better price.

The providers in the list below have been selected to offer free quotes in Harrisburg, PA. If you wish to find the best cheap car insurance in Pennsylvania, it's highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Harrisburg
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $766 $383 $64
Chevrolet Silverado LS Regular Cab 4WD $852 $426 $71
Dodge Ram Crew Cab ST 4WD $1,050 $525 $88
Ford Escape Limited 2WD $898 $449 $75
Ford F-150 Lariat Super Cab 4WD $1,062 $531 $89
Ford Focus SEL 4-Dr Sedan $1,074 $537 $90
Honda Accord LX 4-Dr Sedan $818 $409 $68
Honda CR-V EX-L 2WD $862 $431 $72
Honda Civic EX-L 2-Dr Coupe $1,272 $636 $106
Kia Optima LX $970 $485 $81
Nissan Altima 3.5 SR 2-Dr Coupe $1,080 $540 $90
Toyota Camry XLE $1,508 $754 $126
Toyota Corolla LE $1,036 $518 $86
Toyota RAV4 4WD $994 $497 $83
Toyota Tacoma Double Cab TRD Sport Package 4WD $992 $496 $83
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can modify auto insurance rates considerably.

Premiums by gender and age

The diagram below compares insurance prices for male and female drivers in Harrisburg. The information is based on no claims or violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium on a Nissan Sentra SE-R SPEC V.

Nissan Sentra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Price comparison of only insuring for liability

The chart below illustrates the difference between Hyundai Elantra insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on no accidents, no driving violations, $250 deductibles, single male driver, and no discounts are applied to the premium.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop full coverage

There is no definitive formula to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's pretend your Hyundai Elantra replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after you pay the deductible. If you are currently paying more than $600 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where removing full coverage is not advised. If you haven't paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The comparison tables below can help show the rate differences when you choose different insurance deductibles. The first table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $284 $512 $330 $20 $98 $1,269 $106
Altima 2.5 S 4-Dr Sedan $284 $602 $330 $20 $98 $1,359 $113
Altima Hybrid 4-Dr Sedan $320 $602 $330 $20 $98 $1,395 $116
Altima 2.5 S 2-Dr Coupe $320 $602 $372 $22 $112 $1,453 $121
Altima 3.5 SR 4-Dr Sedan $320 $602 $330 $20 $98 $1,395 $116
Altima 3.5 SR 2-Dr Coupe $320 $694 $372 $22 $112 $1,545 $129
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Nissan Altima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $206 $346 $330 $20 $98 $1,000 $83
Altima 2.5 S 4-Dr Sedan $206 $408 $330 $20 $98 $1,062 $89
Altima Hybrid 4-Dr Sedan $234 $408 $330 $20 $98 $1,090 $91
Altima 2.5 S 2-Dr Coupe $234 $408 $372 $22 $112 $1,148 $96
Altima 3.5 SR 4-Dr Sedan $234 $408 $330 $20 $98 $1,090 $91
Altima 3.5 SR 2-Dr Coupe $234 $468 $372 $22 $112 $1,208 $101
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise insurance rates considerably.

Based on these figures, using a $100 deductible would cost the average driver about $25 more each month or $300 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 16 months between claims, you would more than likely save some money if you choose the higher deductible. Here is an example of how this decision is made.

Average monthly premium for $100 deductibles: $117
Average monthly premium for $500 deductibles (subtract): - $92
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

Car insurance in Pennsylvania serves several purposes

Despite the high cost of buying insurance in Harrisburg, buying car insurance is required in Pennsylvania but it also protects you in many ways.

The benefits of buying enough insurance outweigh the cost, especially when you need to use it. But the average driver in Pennsylvania is wasting up to $825 a year so you should quote your policy with other companies at least once a year to ensure rates are inline.

Discounts mean cheaper rates

Some providers don't necessarily list every possible discount in an easy-to-find place, so the list below contains some of the best known as well as some of the hidden discounts you could be receiving when you buy Harrisburg auto insurance online. If you do not double check each discount you qualify for, you are throwing money away.Discount car insurance

Remember that most discount credits are not given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.

To see a list of providers that have a full spectrum of discounts in Harrisburg, follow this link.

It's not one size fits all

When it comes to choosing the right insurance coverage, there really isn't a single plan that fits everyone. You are unique so your insurance should reflect thatAuto insurance savings For instance, these questions can help discover if you might need professional guidance.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage considerations

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you'll find typical coverages offered by insurance companies.

Liability auto insurance - This provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people's claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.

Liability coverage pays for things such as court costs, structural damage, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but it's cheap coverage so purchase as high a limit as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but it's recommended drivers buy higher limits.

Vehicle Models with the Lowest and Highest Liability Coverage Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Kia Rio
Subaru Forester Chevrolet Impala
Fiat 500 Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Cruze
Volvo XC60 Chrysler 200
Acura MDX Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision coverages - Collision insurance will pay to fix damage to your vehicle from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew BMW 6 Series
Jeep Wrangler Maserati Granturismo
Smart ForTwo Bently Continental GT
GMC Canyon Ferrari 458
Ford Edge Audi RS7
Nissan Xterra Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured or underinsured coverage - Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. It can pay for injuries to you and your family as well as your vehicle's damage.

Since a lot of drivers have only the minimum liability required by law (Pennsylvania limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, chiropractic care and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Lowest and Highest Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Hyundai Accent
Audi A4 Allroad Nissan Versa
Tesla Model S Chevrolet Spark
Ford Expedition Mitsubishi Mirage
Ford F-250 SuperCrew Kia Forte
Ford F-350 SuperCrew Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive protection - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 Porsche Panamera GTS
Smart ForTwo BMW M6
Ford F-350 Bentley Continental GT
Nissan Leaf Audi S7
GMC Sierra 2500 Maserati Granturismo
Infiniti QX50 Bentley Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Quote more and you will save more

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

We just presented some good ideas how you can save on insurance in Harrisburg. The key thing to remember is the more you quote Harrisburg auto insurance, the higher your chance of finding the cheapest Harrisburg auto insurance quotes. You may even find the lowest car insurance rates come from an unexpected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Much more information about insurance in Pennsylvania can be found below: