Tired of robbing Peter to pay Paul to make your insurance payment? You are no different than millions of other vehicle owners.
Unthinkable but true, about 70% of customers kept their coverage with the same insurance company for a minimum of four years, and 38% of customers have never quoted rates to find cheaper coverage. Many drivers in the United States could save almost $860 every year just by shopping around, but they underestimate how much savings they would realize if they moved their coverage to a different company. Due to the increasing number of insurance companies to choose from, it is hard for the average consumer to choose the lowest price insurer.
Finding affordable car insurance coverage in New Castle can be easy if you know a few tricks. If you currently have car insurance, you will most likely be able to find the best rates using this strategy. Smart buyers just have to learn the best way to find the lowest price over the internet.
The method we recommend to compare car insurance rates utilizes the fact most larger insurance companies provide online access to give you rate quotes. All consumers are required to do is provide a small amount of information such as your credit rating estimate, if it has an anti-theft system, level of coverage desired, and how much you drive. The data is submitted instantly to multiple top-rated companies and you will receive price estimates within a short period of time.
To start a rate quote now, click here and enter your zip code.
The companies shown below are ready to provide price comparisons in Pennsylvania. If you want to find the cheapest auto insurance in Pennsylvania, it's highly recommended you click on several of them to get the most affordable price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Extended Cab 2WD||$820||$410||$68|
|Dodge Grand Caravan Hero||$986||$493||$82|
|Dodge Ram Crew Cab ST 4WD||$954||$477||$80|
|Ford Escape XLS 4WD||$964||$482||$80|
|Ford F-150 XL Super Cab 2WD||$1,006||$503||$84|
|Ford Focus S 4-Dr Sedan||$1,058||$529||$88|
|Ford Fusion SE 4-Dr Sedan||$1,112||$556||$93|
|Honda Accord LX 4-Dr Sedan||$874||$437||$73|
|Honda CR-V EX-L 4WD||$900||$450||$75|
|Honda Civic EX-L 2-Dr Coupe||$1,196||$598||$100|
|Honda Odyssey EX||$1,138||$569||$95|
|Jeep Grand Cherokee Limited 4WD||$1,404||$702||$117|
|Nissan Altima Hybrid 4-Dr Sedan||$1,082||$541||$90|
|Toyota Camry XLE||$1,240||$620||$103|
|Toyota Corolla XRS||$1,108||$554||$92|
|Toyota Tacoma Double Cab 4WD||$1,062||$531||$89|
|Volkswagen Jetta S 2.5 Station Wagon||$716||$358||$60|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in vehicle garaging location which can influence premium rates greatly.
Annual premiums for males versus females
The information below shows the comparison of insurance costs for male and female drivers in New Castle. The premium estimates are based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in on a Hyundai Sonata Limited.
Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Full coverage rates vs. liability-only in New Castle
The chart below illustrates the comparison of Chevrolet Silverado insurance costs with full physical damage coverage and with liability coverage only. The data is based on no driving violations, no at-fault accidents, $100 deductibles, single male driver, and no additional discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
When to buy liability coverage only
There is no definitive guideline that works best for making the decision to drop full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let's pretend your Chevrolet Silverado replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.
There are some scenarios where only buying liability is not in your best interest. If you haven't paid off your loan, you have to carry 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 damaged, you should not drop full coverage.
Tailor your auto insurance coverage to you
When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different.
For example, these questions can aid in determining if you may require specific advice.
- Is pet coverage available?
- How much underlying liability do I need for an umbrella policy?
- Do I get a pro-rated refund if I cancel my policy early?
- What if I total my vehicle and owe more than it's worth?
- Is there a penalty for late payment?
- Is my custom paint covered by insurance?
- Are my tools covered if they get stolen from my vehicle?
If you don't know the answers to these questions, you might consider talking to an agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.
Compare prices but buy from a local neighborhood New Castle car insurance agent
Some people would rather visit with an insurance agent. Good insurance agents are trained to spot inefficiencies and give you someone to call. One of the benefits of price shopping on the web is the fact that drivers can get cheap auto insurance rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to insurance agents in New Castle who will give competitive quotes for your business. You never need to even leave your home because quoted prices will be sent straight to your inbox. If you need to get a rate quote from a specific auto insurance provider, you would need to go to their quote page and fill out the quote form the provide.
Picking the best provider needs to be determined by more than just the premium amount. Any agent in New Castle should be forthright in answering these questions:
- Will they take your side in the event of a claim?
- What company holds the largest book of business for them?
- How long has the business existed?
- When do they do a full risk review?
- If your car is totalled, how to they determine the replacement cost?
- Are they full-time agents?
Pick the best auto insurance agent in New Castle for you
If you want to buy auto insurance from a local insurance agency, it's helpful to know the different types of agents and how they can quote your rates. Agents in New Castle may be either exclusive or independent. Both provide auto insurance policies, but we need to point out the difference in how they write coverage since it may influence your agent selection.
Exclusive Auto Insurance Agents
These type of agents generally can only insure with one company like Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so it's a take it or leave it situation. They are usually well trained on the products they sell which helps them compete with independent agents.
Independent Agencies or Brokers
Independent insurance agents often have affiliation with several companies so they can quote policies through many different auto insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house and you don't have to find a new agent.
If you need lower rates, you will want to include rate quotes from several independent insurance agents in order to compare the most rates.