Do you need a fast way to compare lower-priced insurance rates in Johnstown, PA? Finding better insurance prices for a new or used car in Pennsylvania can be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance and we'll show you the proper way to get price quotes for a and locate the best price possible.

Finding a better price on car insurance can be quick and easy. All you need to do is spend a little time getting comparison quotes provided by online insurance companies.

The providers in the list below have been selected to offer free rate quotes in Johnstown, PA. If multiple companies are listed, it's a good idea that you click on several of them in order to find the most affordable rates.

Insurance Cost Estimates for Popular Vehicles in Johnstown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $884 $442 $74
Dodge Ram Crew Cab ST 2WD $1,086 $543 $91
Ford Escape Limited 4WD $716 $358 $60
Ford F-150 XL Regular Cab 2WD $970 $485 $81
Ford Focus S 4-Dr Sedan $1,140 $570 $95
Ford Fusion Hybrid 4-Dr Sedan $1,404 $702 $117
GMC Sierra SLT Extended Cab 4WD $1,112 $556 $93
Honda Accord LX-P 4-Dr Sedan $764 $382 $64
Honda CR-V EX-L 4WD $1,116 $558 $93
Honda Civic DX 4-Dr Sedan $1,268 $634 $106
Hyundai Elantra GLS Touring Station Wagon $738 $369 $62
Nissan Altima Hybrid 4-Dr Sedan $836 $418 $70
Nissan Rogue SL 2WD $934 $467 $78
Toyota Camry XLE $1,062 $531 $89
Toyota Corolla XLE $1,372 $686 $114
Volkswagen Jetta 2.0T Station Wagon $908 $454 $76
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can raise or lower price quotes considerably.

Reckless driving habits raise Johnstown auto insurance rates

The diagram below highlights how speeding tickets and at-fault fender-benders impact Toyota Corolla auto insurance costs for each age group. The premium estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.

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

Why you need to buy insurance

Despite the potentially high cost of insurance, insurance is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. The average driver in Pennsylvania is overpaying over $865 each year so it's recommended you shop around each time the policy renews to ensure rates are competitive.

Car insurance policy discounts you can't miss

Some providers do not advertise all available discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden credits available to lower your premiums when you buy Johnstown car insurance online.Cheaper car insurance with discounts

While discounts sound great, it's important to understand that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears it's possible to get free car insurance, you aren't that lucky.

A few popular companies and their offered discounts are:

If you want cheaper Johnstown car insurance quotes, ask every company how many discounts you can get. Some discounts might not be offered on policies in Johnstown.

Coverage specifics

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your vehicle.

Due to the fact that many Pennsylvania drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision protection

This coverage pays for damage to your vehicle from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/5 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and $5,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, court costs, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but you should consider buying more coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, surgery and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, fire damage, hitting a deer, vandalism and damage from a tornado or hurricane. The most you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Car insurance claim information

Are you driving a vehicle that ranks high in claims? The next tables list the best and worst makes and models for the probability of having claims orgainized by coverage.

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Claims Highest Claims
Ford F-150 SuperCrew Audi RS7
GMC Canyon Nissan GT-R
Chevrolet Colorado Bently Continental GTC
Smart ForTwo Ferrari 458
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra BMW M6

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

Liability Insurance Claims by Vehicle
Lowest Claims Highest Claims
Fiat 500 Kia Optima
Acura MDX Chrysler 200
Subaru Forester Dodge Charger
Chevrolet Corvette Mitsubishi Mirage
Subaru Outback Kia Rio
Audi A6 Chevrolet Impala

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

Vehicle Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Dodge Charger
Ford Expedition Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer
Land Rover Range Rover Sport Kia Forte
Ford F-250 SuperCrew Nissan Sentra
Audi A4 Allroad Nissan Versa

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

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Nissan Leaf Maserati Granturismo
Smart ForTwo Porsche Panamera GTS
Nissan Xterra BMW M6
Infiniti QX50 BMW M6
Ford F-350 Bentley Continental GTC
Chevy Spark Mercedes-Benz S Class

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

Keep this in mind when shopping around

Cheaper car insurance in Johnstown is definitely available on the web and from local agencies, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide price quotes online and most of the time these small insurance companies prefer to sell through local independent agents.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Consumers change insurance companies for many reasons like questionable increases in premium, extreme rates for teen drivers, high rates after DUI convictions or unfair underwriting practices. It doesn't matter what your reason, finding a great new company is not as difficult as it may seem.

Helpful resources