No one loves paying for car insurance, especially knowing they could find lower prices if they just compared rates.

Astonishing but true, most drivers kept their coverage with the same car insurance company for at least the last four years, and 38% of drivers have never compared rate quotes at all. Hermitage insurance shoppers could cut their rates by approximately $700 a year just by shopping around, but they don't invest the time required to find cheaper car insurance rates. Big companies like State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

Compare Hermitage car insurance quotes online

All major car insurance companies like State Farm, Allstate and GEICO allow consumers to get prices for coverage direct online. Obtaining pricing is quite easy as you simply enter the amount of coverage you want as detailed in the form. Upon sending the form, the company's rating system pulls credit information and your driving record and returns a price quote determined by many factors. Getting online rates streamlines rate comparisons, and it is important to get many rate quotes if you want to find the best rate.

To save time and find out what other companies charge, consider comparing rates from the companies shown below. To compare your current rates, we recommend you duplicate the limits and deductibles identical to your current policy. This helps ensure you will be getting rate quotes using the same coverage and limits.

The companies shown below have been selected to offer comparison quotes in Pennsylvania. If multiple companies are listed, we recommend you get rates from several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Hermitage
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,090 $545 $91
Chevrolet Silverado LT Regular Cab $1,244 $622 $104
Dodge Ram Crew Cab TRX 4WD $1,332 $666 $111
Ford Escape XLS 4WD $948 $474 $79
Ford Explorer Eddie Bauer 4WD $1,016 $508 $85
Ford F-150 STX Super Cab 4WD $1,088 $544 $91
Ford Focus SES 2-Dr Coupe $1,308 $654 $109
Honda Accord LX-P 4-Dr Sedan $964 $482 $80
Honda CR-V EX-L 4WD $754 $377 $63
Honda Civic EX-L 2-Dr Coupe $1,230 $615 $103
Jeep Grand Cherokee Laredo 2WD $1,040 $520 $87
Kia Optima LX $1,188 $594 $99
Nissan Altima 3.5 SR 2-Dr Coupe $1,046 $523 $87
Nissan Rogue S 2WD $1,380 $690 $115
Toyota Camry XLE $936 $468 $78
Toyota Corolla XLE $918 $459 $77
Toyota RAV4 2WD $876 $438 $73
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in vehicle garaging location which can increase or decrease coverage rates substantially.

How accidents and violations affect rates

The information below highlights how traffic violations and accident claims drive up Honda Civic auto insurance rates for different age groups. The prices are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

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

Higher deductibles save money

One common question asked by Hermitage drivers is how low should you set your deductibles. The figures shown below help summarize the price difference of buying low and high comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

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

Toyota Camry insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $284 $512 $330 $20 $98 $1,269 $106
Camry SE $284 $602 $330 $20 $98 $1,359 $113
Camry XLE $284 $602 $330 $20 $98 $1,359 $113
Camry Hybrid $320 $602 $372 $22 $112 $1,453 $121
Get a Quote for Your Vehicle Go
Toyota Camry insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $206 $346 $330 $20 $98 $1,000 $83
Camry SE $206 $408 $330 $20 $98 $1,062 $89
Camry XLE $206 $408 $330 $20 $98 $1,062 $89
Camry Hybrid $234 $408 $372 $22 $112 $1,148 $96
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in your specific Hermitage location which can raise or lower prices noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $24 more each month or $288 every year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 17 months between claim filings, you would save money if you opt for a higher deductible.

You are unique and your insurance should be too

When quoting and choosing insurance from an agent or online, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that.Higher deductibles save money Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Exclusive versus independent car insurance agents

Some people prefer to buy from a local agent and there is nothing wrong with that. Licensed agents can help you choose the best coverages and help in the event of a claim. A good thing about getting free rate quotes online is you can get cheaper car insurance rates and still have an agent to talk to. Supporting local agencies is still important in Hermitage.

Find insurance agent in HermitageAfter completing this short form, your insurance coverage information gets sent to local insurance agents who will give you quotes for your insurance coverage. It's much easier because you don't need to find an agent because prices are sent to the email address you provide. If you have a need to compare prices from a specific insurance provider, feel free to jump over to their website and fill out their quote form.

Types of car insurance agents in Hermitage

When finding a local Hermitage insurance agent, it's important to understand the different agency structures that differ in how they can insure your vehicles. Agents in Hermitage are either exclusive or independent agents depending on their company appointments. Either type can write insurance policies, but it is important to understand how they are different because it can impact buying decisions.

Independent Agents (or Brokers)

Independent agencies often have many company appointments so they can quote policies with lots of companies and get you the best rates possible. If prices rise, the business is moved internally and you can keep the same agent.

When comparing rates, you definitely need to get rate quotes from at least one independent agent so that you have a good selection of quotes to compare.

Exclusive Agencies

Agents that elect to be exclusive are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their company's products which helps them compete with independent agents.

Picking an insurance agent should depend on more than just a cheap price quote. The answers to these questions are important, too.

If you receive answers to your satisfaction to any questions you may have and low cost Hermitage car insurance quotes, chances are good that you have found an insurance agent that meets the requirements to properly insure your vehicles.