Having to pay for high-priced auto insurance in Lebanon can bleed your accounts and possibly require postponing other expenditures. Comparing cost estimates can help to lower your bills every month.

Sadly, the vast majority of consumers kept their policy with the same company for at least four years, and almost half have never even shopped around for lower-cost coverage. American drivers can save hundreds of dollars each year just by comparing rates, but most undervalue how much money they would save if they moved their coverage to a different company.

With so many auto insurance companies to choose from, it can be hard to choose the lowest price insurance company.

It's smart to compare prices before your policy renews because auto insurance prices change regularly. Even if you think you had the best rates on auto insurance on your last policy you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to lower your rates without sacrificing coverage.

Finding and buying affordable car insurance policy in Lebanon is simple if you know the tricks. Virtually every person who is required to buy car insurance will probably be able to save money. Although Pennsylvania car owners must know how big insurance companies calculate your car insurance rates because rates fluctuate considerably.

The most recommended method to compare rates is to know almost all companies allow for online access to give you rate quotes. The one thing you need to do is give the companies some data like whether or not you need a SR-22, if it has an anti-theft system, daily mileage, and how you use your vehicles. That rating information gets sent immediately to all major companies and they provide comparison quotes instantly.

If you would like to start a quote now, click here and see if a lower rate is available in Lebanon.

The companies shown below are ready to provide price comparisons in Pennsylvania. To buy cheap car insurance in Pennsylvania, we recommend you visit as many as you can to get the best price comparison.

Insurance Costs for Popular Vehicles in Lebanon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,156 $578 $96
Chevrolet Silverado LTZ Extended Cab 4WD $836 $418 $70
Dodge Grand Caravan CV $1,018 $509 $85
Dodge Ram Quad Cab Laramie 4WD $1,098 $549 $92
Ford Edge Sport 2WD $1,196 $598 $100
Ford Escape Limited 2WD $754 $377 $63
Ford F-150 SVT Raptor Super Cab 4WD $936 $468 $78
Ford Focus SE 2-Dr Coupe $1,470 $735 $123
Ford Fusion SEL 4-Dr Sedan $820 $410 $68
Honda Accord LX 4-Dr Sedan $988 $494 $82
Honda CR-V EX 2WD $732 $366 $61
Honda Civic DX 2-Dr Coupe $1,208 $604 $101
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,272 $636 $106
Kia Optima LX $1,058 $529 $88
Nissan Altima 2.5 4-Dr Sedan $854 $427 $71
Nissan Rogue SL 2WD $1,026 $513 $86
Toyota Camry Hybrid $1,300 $650 $108
Toyota Corolla LE $918 $459 $77
Toyota Prius $952 $476 $79
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Lebanon which can decrease or increase auto insurance rates significantly.

How accidents and violations affect rates in Lebanon

The chart below illustrates how speeding tickets and fender-benders can drive up Toyota Corolla auto insurance rates for different ages of insureds. The premiums assume a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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

Insurance premiums for males and females

The information below shows the difference between yearly insurance costs for male and female drivers in Lebanon. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in on a Honda Accord EX-L.

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

Do you qualify for discounts?

Auto insurance is neither fun to buy or cheap, but there may be some discounts that many consumers don't even know exist. Most are applied at quote time, but a few must be inquired about before you get the savings.Save money with discounts

As is typical with insurance, some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, that's just not realistic.

Some of the insurance companies that may include some of the above discounts are:

Before you buy a policy, ask every prospective company which credits you are entitled to. Savings might not be available to policyholders in Lebanon.

Car insurance is an important decision

Even though it's not necessarily cheap to insure a vehicle in Lebanon, maintaining insurance is not optional due to several reasons.

First, just about all states have compulsory liability insurance requirements which means the state requires a specific level of liability protection in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it's guaranteed your bank will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your vehicle at a much higher premium rate and force you to pay for it.

Third, insurance safeguards not only your vehicle but also your assets. It will also cover hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your vehicle gets damaged, your policy will pay to repair the damage.

The benefits of insuring your vehicle greatly outweigh the cost, particularly if you ever have a claim. But the average driver in Pennsylvania overpays more than $750 every year so you should quote your policy with other companies at every policy renewal to save money.

Can't I compare prices from local Lebanon insurance agencies?

Many people just want to buy from a local agent and doing that can be a smart decision One of the great benefits of comparing rate quotes online is the fact that you can find better rates and still have a local agent. Putting coverage with small agencies is definitely important in Lebanon.

Insurance agency in LebanonUpon completion of this form (opens in new window), the quote information is transmitted to agents in your area who want to provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to leave your house because prices are sent to you. It's the lowest rates without a big time investment. If you want to compare rates from a specific company, you just need to go to their quote page and give them your coverage information.

When searching for a reliable insurance agent, there are two types of insurance agents and how they function. Agencies in Lebanon are classified as either independent or exclusive.

Independent Agencies or Brokers

Independent agents can sell policies from many different companies and that allows them to write policies with an assortment of companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparing rate quotes, you should always include rate quotes from independent agents for the best price selection.

Exclusive Agencies

Exclusive insurance agents can only write with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agents are very knowledgeable in insurance sales and that enables them to sell even at higher rates.

Choosing the best insurance agent requires you to look at more than just the quoted price. The answers to these questions are important, too.

After talking to the agent and getting acceptable answers to all your questions as well as an affordable premium quote, chances are good that you have found a car insurance agent that will service your policy. It's important to know that it's your policy and you can cancel your coverage when you choose so don't think you are locked into a specific company with no way out.

Insurance losses by coverage

Which vehicle models have severe claims? The following claim statistics outline the good and bad vehicles for likelihood of having large claims for each type of coverage.

Car Insurance Liability Claims by Manufacturer Model
Lowest Claims Highest Claims
Fiat 500 Chrysler 200
Acura MDX Mitsubishi Lancer
Subaru Forester Mitsubishi Mirage
Volvo XC60 Dodge Charger
Subaru Outback Hyndai Accent
Mercedes-Benz SL Class Kia Rio

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

Comprehensive Coverage Claims by Vehicle
Lowest Claims Highest Claims
Volvo V60 Maserati Quattroporte
Infiniti QX50 Porsche Panamera GTS
Chevy Silverado 2500 Bentley Continental GTC
Chevy Spark Maserati Granturismo
Nissan Leaf Bentley Continental GT
Ford F-350 Mercedes-Benz S Class

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

Collision Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Ford F-150 SuperCrew Bently Continental GTC
Mini Cooper BMW M6
Nissan Xterra Bentley Continental Flying Spur
Smart ForTwo Maserati Ghibli
Chevrolet Colorado Maserati Granturismo
GMC Canyon BMW 6 Series

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

Lowest and Highest Car Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Mitsubishi Mirage
Ford Expedition Nissan Versa
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Hyundai Accent
Ford F-250 SuperCrew Nissan Sentra
Chevrolet Corvette Chevrolet Spark

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