Would you like to find cheaper car insurance rates in Baldwin, PA? If you're trying to find lower-priced insurance on the web, are you overwhelmed by the wide range of car insurance choices that you can choose from? Many other drivers are as well. Vehicle owners have so many choices that it can easily turn into a challenge to find better car insurance rates. Baldwin is a great city to live in, but getting gouged by high car insurance rates can make it impossible to affordably buy enough coverage.

Statistics show that a large majority of consumers kept their policy with the same company for at least four years, and almost 40% of drivers have never compared rates to find cheap insurance. With the average premium in Pennsylvania being $1,363, drivers can save up to 55% each year just by getting comparison quotes, but they mistakenly think it's difficult to do a rate comparison.

It's a good habit to quote other rates once or twice a year due to the fact that insurance prices trend upward over time. If you had the lowest rate on car insurance at your last renewal a different company probably has better premium rates today. Block out anything you think you know about car insurance because you're about to find out how to use online quotes to get good coverage on car insurance at a lower rate.

The are a couple different ways to compare quotes from lots of Pennsylvania auto insurance companies. The simplest method to do a complete rate comparison consists of obtaining rate quotes online. When comparison shopping, making a lot of price comparisons increases the chance that you will find better pricing.

The providers in the list below are ready to provide price quotes in Pennsylvania. To find cheap auto insurance in Pennsylvania, it's highly recommended you visit as many as you can to get the cheapest price.

Insurance Costs for Popular Vehicles in Baldwin
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $1,062 $531 $89
Chevrolet Silverado LTZ Crew Cab 2WD $1,496 $748 $125
Dodge Grand Caravan Crew $1,200 $600 $100
Dodge Ram Quad Cab Laramie 2WD $1,472 $736 $123
Ford Edge Limited AWD $1,384 $692 $115
Ford Escape Limited 2WD $1,116 $558 $93
Ford Explorer XLT 2WD $934 $467 $78
Ford F-150 XLT Super Cab 4WD $1,114 $557 $93
Ford Focus SE 2-Dr Coupe $1,034 $517 $86
GMC Sierra Denali Crew Cab 2WD $1,012 $506 $84
Honda Accord LX 4-Dr Sedan $840 $420 $70
Honda CR-V EX 4WD $1,008 $504 $84
Honda Civic LX 2-Dr Coupe $1,530 $765 $128
Honda Odyssey EX-L W/Rear Entertainment $1,086 $543 $91
Mazda 3 I Touring 4-Dr Sedan $898 $449 $75
Nissan Altima 2.5 S 2-Dr Coupe $1,288 $644 $107
Nissan Rogue S AWD $912 $456 $76
Toyota Camry Hybrid $1,014 $507 $85
Toyota Corolla XRS $1,404 $702 $117
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Data rating is 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, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can revise rates considerably.

Rate difference between full and liability-only coverage

The information below examines Ford Fusion car insurance rates with full coverage compared to only the Pennsylvania minimum liability coverage. The price estimates are based on no accidents, no driving violations, $500 deductibles, married female driver, and no additional discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

When to eliminate full coverage

There is no set guideline to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's pretend your Ford Fusion claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after you pay the deductible. If you are paying more than $500 annually for full coverage, then you might want to think about dropping full coverage.

There are some cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Policy deductibles

One of the most common auto insurance questions is at what level do you set your deductibles. The figures shown below approximate how much more you'll pay of buying low and high deductibles. The first data table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

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

Honda Accord insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord LX 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord EX 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord LX-P 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord LX-P 4-Dr Sedan $222 $352 $280 $16 $84 $979 $82
Accord EX-L 4-Dr Sedan $254 $428 $280 $16 $84 $1,087 $91
Accord EX 2-Dr Coupe $254 $506 $372 $22 $112 $1,291 $108
Accord LX-S 2-Dr Coupe $254 $506 $372 $22 $112 $1,291 $108
Accord EX-L 2-Dr Coupe $288 $506 $372 $22 $112 $1,325 $110
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Honda Accord insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $136 $222 $280 $16 $84 $738 $62
Accord LX 4-Dr Sedan $136 $222 $280 $16 $84 $738 $62
Accord EX 4-Dr Sedan $136 $222 $280 $16 $84 $738 $62
Accord LX-P 4-Dr Sedan $136 $222 $280 $16 $84 $738 $62
Accord LX-P 4-Dr Sedan $136 $222 $280 $16 $84 $738 $62
Accord EX-L 4-Dr Sedan $158 $270 $280 $16 $84 $808 $67
Accord EX 2-Dr Coupe $158 $318 $372 $22 $112 $982 $82
Accord LX-S 2-Dr Coupe $158 $318 $372 $22 $112 $982 $82
Accord EX-L 2-Dr Coupe $178 $318 $372 $22 $112 $1,002 $84
Get a Quote for Your Vehicle Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in garaging location in Baldwin which can raise or lower rates noticeably.

Based on this data, using a $250 deductible could cost the average driver approximately $23 more each month or $276 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 33 months between claim filings, you would save more money by selecting a higher deductible. The table below shows how you can make your own decision.

Average monthly premium for $250 deductibles: $92
Average monthly premium for $1,000 deductibles (subtract): - $69
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

An important thing to remember is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a physical damage claim. That will necessitate enough money stashed away in the event you have to pay the higher deductible.

Local Baldwin insurance agents and auto insurance

A small number of people just want to buy from a local agent and that is not a bad decision The best thing about comparing auto insurance online is that drivers can save money and get cheap auto insurance rates and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), the coverage information is immediately sent to participating agents in Baldwin who want to provide quotes for your coverage. There is no need to visit any agencies due to the fact that quote results will go to you instantly. You'll get the best rates and work with a local agent. If you wish to quote rates from a specific insurance company, feel free to search and find their rate quote page and submit a quote form there.

Choosing the best insurance company should depend on more than just a low price. These are some questions your agent should answer.

If you are searching for a reliable insurance agent, it can be helpful to understand the different agency structures and how they operate. Agents are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Agents of this type can only provide pricing for a single company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. Exclusive agencies receive extensive training on what they offer which aids in selling service over price. Consumers frequently buy from the same agent for years mostly because of the prominent brand name rather than low price.

Independent Agencies or Brokers

Agents that elect to be independent do not have single company limitations and that enables them to quote your coverage through many companies and potentially find a lower price. To transfer your coverage to a different company, your agent can just switch to a different company and you don't have to do anything. When comparing auto insurance rates, we highly recommend that you compare prices from at least one independent agent to have the best price comparison. Most have the option of insuring with smaller mutual companies which may provide better rates.

Best and worst vehicle claim statistics

Do you own a vehicle likely to have a claim? The statistics below show the highest and lowest manufacturer models for the probability of having to file claims orgainized by coverage.

Vehicle Make and Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Leaf Audi S7
Ford F-350 Bentley Continental GTC
GMC Sierra 2500 Maserati Granturismo
Smart ForTwo BMW M6
Volvo V60 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Ferrari 458
Mini Cooper Maserati Granturismo
GMC Canyon BMW M6
Jeep Wrangler Nissan GT-R
Nissan Xterra Bently Continental GTC
Smart ForTwo BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Kia Forte
Tesla Model S Dodge Charger
Chevrolet Silverado 3500 Nissan Versa
Land Rover Range Rover Sport Chevrolet Spark
Ford F-250 SuperCrew Hyundai Accent
Ford F-350 SuperCrew Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Kia Rio
Subaru Outback Kia Optima
Subaru Forester Chevrolet Sonic
Fiat 500 Chevrolet Cruze
Volvo XC60 Hyndai Accent
Chevrolet Corvette Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years