Are you regretting the purchase of an underperforming, overpriced car insurance policy? You're preaching to the choir because you're not the only one.

Regrettably, the majority of drivers renewed their policy with the same company for four years or more, and nearly 40% of drivers have never compared rates to find lower-cost insurance. American insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but most undervalue how much money they would save if they switched.

Having so many companies to choose from , it can be diffult for drivers to locate the right company.

Consumers should take time to do price comparisons periodically due to the fact that insurance prices are usually higher with each renewal. If you had the best rates on car insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the best way to get good coverage on car insurance at a lower rate.

The best way we recommend to compare car insurance company rates is to know car insurance companies participate in online systems to compare rate quotes. The one thing you need to do is give them rating details such as if you're married, the make and model of your vehicles, whether you drive to work or school, and level of coverage desired. Your insurance information is instantly submitted to many highly-rated insurers and they return rate quotes instantly.

To find the cheapest car insurance rates, click here and enter your coverage details.

The following companies can provide free rate quotes in Reading, PA. If you want to find cheap auto insurance in Pennsylvania, it's a good idea that you get prices from several of them to get the most competitive price.

Insurance Estimates for Popular Vehicles in Reading
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,246 $623 $104
Chevrolet Silverado LT Crew Cab 2WD $1,186 $593 $99
Dodge Ram Crew Cab SLT 4WD $1,174 $587 $98
Ford Escape Limited 4WD $842 $421 $70
Ford F-150 XL Super Cab 4WD $1,320 $660 $110
Ford Focus S 4-Dr Sedan $986 $493 $82
Honda Accord LX-P 4-Dr Sedan $1,102 $551 $92
Honda CR-V EX-L 2WD $862 $431 $72
Honda Civic LX-S 4-Dr Sedan $790 $395 $66
Honda Odyssey EX-L $1,218 $609 $102
Nissan Altima 3.5 SR 2-Dr Coupe $1,716 $858 $143
Nissan Rogue SL AWD $982 $491 $82
Toyota Camry SE $898 $449 $75
Toyota Corolla XLE $1,240 $620 $103
Toyota Prius $938 $469 $78
Volkswagen Jetta SE 2.5 Station Wagon $1,172 $586 $98
Get Your Own Custom Quote Go

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific location which can modify premium rates greatly.

Comparison of policy deductibles

The example below demonstrates how deductible levels and can raise or lower Toyota Corolla insurance premiums for different insured age categories. The data assumes a married male driver, comp and collision included, and no discounts are factored in.

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

Bad driving habits will cost you more

The information below demonstrates how citations and accident claims can impact Kia Optima insurance costs for each different age group. The prices are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage?

The illustration below shows the difference between Ford F-150 insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The rates are based on no violations or claims, $500 deductibles, single male driver, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When to buy liability coverage only

There is no exact rule to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Ford F-150 book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after the policy deductible has been paid. If premiums are more than $600 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Why you need car insurance

Despite the high cost, maintaining insurance may not be optional for several reasons.

The benefits of carrying adequate insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in America overpays more than $820 a year so we recommend shopping around at every renewal to ensure rates are competitive.

Reading auto insurance discounts

Some providers do not list every possible discount in an easy-to-find place, so the below list has some of the best known and also the more inconspicuous credits that may apply to you.Save money with discounts

Consumers should know that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, that's just not realistic.

Some of the larger companies that may include these discounts include:

When comparing rates, check with every insurance company to give you their best rates. Savings might not apply in every state. To see companies with the best auto insurance discounts in Reading, click here.

Best and worst vehicle claim statistics

Which vehicles statistically have the most claims? The following tables show the highest and lowest cars and trucks for the probability of having claims.

Collision Coverage Claims by Vehicle
Lowest Claims Highest Claims
Ford F-250 SuperCab Audi RS7
Nissan Xterra Maserati Granturismo
Mini Cooper BMW 6 Series
Chevrolet Colorado Nissan GT-R
Ford F-150 SuperCrew BMW M6
Smart ForTwo Bently Continental GTC

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

Lowest and Highest Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Smart ForTwo Maserati Quattroporte
Nissan Leaf Bentley Continental GTC
Ford F-350 Mercedes-Benz S Class
GMC Sierra 2500 BMW M6
Chevy Silverado 2500 Bentley Continental GT
Nissan Xterra Maserati Granturismo

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

Medical Payment Claims by Vehicle Model
Lowest Claims Highest Claims
Tesla Model S Nissan Versa
Ford F-350 SuperCrew Kia Forte
Land Rover Range Rover Sport Mitsubishi Lancer
Chevrolet Silverado 2500 Chrysler 200
Audi A4 Allroad Chevrolet Sonic
Chevrolet Corvette Nissan Sentra

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

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claims Highest Claims
Mercedes-Benz SL Class Dodge Charger
Audi A6 Chevrolet Impala
Volvo XC60 Kia Rio
Acura MDX Mitsubishi Mirage
Subaru Forester Kia Optima
Subaru Outback Chrysler 200

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

Don't give up on cheap premiums

As you quote Reading auto insurance, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured cut liability limits or collision coverage only to regret that it was a big mistake. Your goal is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

The cheapest insurance in Reading is attainable on the web in addition to many Reading insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not offer the ability to get quotes online and these small insurance companies sell through local independent agents.

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