Are you looking for a better way to compare lower-priced auto insurance rates in Hanover, PA? Searching for low-cost insurance for a car in Pennsylvania can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to compare auto insurance rates so we're going to tell you the best way to compare rates for a new or used and obtain the cheapest rates.

Smart consumers take time to get comparison quotes quite often since prices tend to go up over time. Just because you found the best rate on auto insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you're about to learn the easiest way to properly buy coverages while reducing your premium.

Finding affordable car insurance coverage in Hanover is actually not that difficult if you follow our advice. If you have insurance now or need a new policy, you can follow these tips to cut your premiums while maintaining coverages. Drivers only have to learn the quickest method to find the lowest price from many companies at once.

Cutting your car insurance rates is pretty simple and can save money. Consumers just need to take the time to compare rates online with multiple companies.

The providers in the list below are ready to provide price quotes in Pennsylvania. If you want the cheapest car insurance in Pennsylvania, we recommend you compare several of them to find the lowest car insurance rates.

Insurance Cost Estimates for Popular Vehicles in Hanover
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,108 $554 $92
Chevrolet Malibu LTZ $1,242 $621 $104
Chevrolet Silverado LT Crew Cab 2WD $1,106 $553 $92
Dodge Grand Caravan SXT $1,026 $513 $86
Dodge Ram Quad Cab Sport 2WD $1,020 $510 $85
Ford Escape Limited 2WD $760 $380 $63
Ford F-150 Lariat King Ranch 4WD $1,276 $638 $106
Ford Focus S 4-Dr Sedan $1,268 $634 $106
GMC Sierra SLE Crew Cab 2WD $968 $484 $81
Honda Accord EX-L 4-Dr Sedan $1,088 $544 $91
Honda CR-V EX-L 4WD $846 $423 $71
Honda Civic LX-S 4-Dr Sedan $1,062 $531 $89
Jeep Grand Cherokee SRT-8 4WD $1,246 $623 $104
Kia Optima LX $1,380 $690 $115
Mazda 3 I Sport 4-Dr Sedan $990 $495 $83
Nissan Altima 2.5 S 4-Dr Sedan $1,062 $531 $89
Toyota Camry XLE $1,062 $531 $89
Toyota Corolla LE $1,092 $546 $91
Toyota Prius $732 $366 $61
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in your specific Hanover location which can affect rates noticeably.

Deductible analysis

The example below demonstrates how deductible levels and can impact Dodge Ram insurance costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Annual premiums for males versus females

The illustration below shows the difference between car insurance costs for male and female drivers in Hanover. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration on a Honda Accord EX-L.

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

An analysis of deductible level

One common question asked by Hanover drivers is how high should the physical damage deductibles be. The premium rates below determine the difference in cost when you choose different comp and collision deductibles. The first rate table uses a $100 deductible and the second set of prices uses a $1,000 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $284 $602 $330 $20 $98 $1,359 $113
Corolla S $284 $602 $330 $20 $98 $1,359 $113
Corolla XLE $284 $602 $330 $20 $98 $1,359 $113
Corolla XRS $320 $602 $330 $20 $98 $1,395 $116
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Toyota Corolla insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $158 $318 $330 $20 $98 $924 $77
Corolla S $158 $318 $330 $20 $98 $924 $77
Corolla XLE $158 $318 $330 $20 $98 $924 $77
Corolla XRS $178 $318 $330 $20 $98 $944 $79
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can affect coverage prices noticeably.

Based on these figures, using a $100 deductible costs approximately $36 more each month or $432 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 25 months between claim filings, you would more than likely save some money by selecting a higher deductible. The numbers below show a better example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $114
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

An important thing to remember is that a higher deductible results in a higher out-of-pocket expense when you have a comprehensive or collision claim. That will require some funds available in order to pay the higher deductible.

Insurance is not optional in Pennsylvania

Even though it's not necessarily cheap to insure a vehicle in Hanover, buying insurance serves a purpose in several ways.

The benefits of carrying adequate insurance definitely exceed the cost, particularly if you ever have a claim. As of last year, the average driver in Pennsylvania is overpaying more than $800 each year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Why you might pay higher rates in Hanover

Many different elements are used when you get a price on insurance. A few of the factors are predictable such as your driving history, although some other factors are less obvious like your continuous coverage or how financially stable you are. Smart consumers have a good feel for some of the elements that come into play when calculating your premiums. If you have a feel for what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.

Save money by having multiple policies - The majority of companies will give discounts for people that purchase more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it's always a smart idea to comparison shop to ensure the best deal.

Liability insurance - Your policy's liability coverage will protect you when a jury decides you are liable for causing personal injury or damage in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.

High comp and collision deductibles lower premiums - The deductibles are how much you are willing to pay out-of-pocket if the claim is covered. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims are rearending another vehicle, animal collisions, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.

Pay more for higher performance vehicles - The make and model of the vehicle you are buying insurance for makes a substantial difference in the rate you pay. The cheapest rates are generally reserved for lower performance four cylinder passenger vehicles, but many other things help determine your insurance rates.

Cheaper rates with discounts

Car insurance is not cheap nor is it fun to buy but there's a good chance there are discounts that could help you make your next renewal payment. Certain discounts will be applied at the time you complete a quote, but some need to be requested specifically before they will apply. If you don't get every credit available, you are not getting the best rate possible.Cheaper car insurance with discounts

As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck.

A few of the larger companies and the discounts they provide are:

When getting a coverage quote, ask every company which credits you are entitled to. Savings may not apply to policies in every state. If you would like to see a list of car insurance companies with significant discounts in Pennsylvania, click this link.

What is the best insurance coverage?

When buying adequate coverage for your vehicles, there isn't really a cookie cutter policy. Your situation is unique and your policy should reflect that.Insurance savings For example, these questions can help discover if you might need professional guidance.

If you don't know the answers to these questions then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It's fast, free and you can get the answers you need.

Claim statistics by make and model

Which makes and models have the fewest claims? The following tables show the worst and best vehicle makes and models for overall likelihood of having claims.

Vehicles with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Ford F-350 Maserati Granturismo
Nissan Leaf BMW M6
Chevy Spark Audi S7
Infiniti QX50 Porsche Panamera GTS

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford F-250 SuperCrew Chrysler 200
Chevrolet Corvette Dodge Charger
Land Rover Range Rover Sport Chevrolet Sonic
Ford F-350 SuperCrew Hyundai Accent
Tesla Model S Nissan Versa

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Collision Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Maserati Ghibli
GMC Canyon Bently Continental GTC
Ford F-250 SuperCab Bently Continental GT
Smart ForTwo BMW M6
Jeep Wrangler Ferrari 458
Mini Cooper Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Chevrolet Impala
Subaru Forester Kia Optima
Volvo XC60 Kia Rio
Fiat 500 Chevrolet Cruze
Acura MDX Chevrolet Sonic
Chevrolet Corvette Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

A conclusion for your car insurance search

While you're price shopping online, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest cost.

Throughout this article, we presented a lot of information how to shop for car insurance online. The key thing to remember is the more times you quote, the better chance you'll have of finding cheaper Hanover car insurance quotes. Consumers could even find that the lowest premium rates are with a small mutual company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

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