Do you want a faster way to compare cheaper insurance rates in West Chester, PA? Trying to find the cheapest insurance for a car in Pennsylvania can be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to shop for insurance and you need to know the best way to price shop coverage for your and get the lowest possible price.

Remarkably, a study showed that over 70% of consumers kept buying from the same company for at least four years, and just under half have never even compared quotes to find cheaper rates. Many consumers in Pennsylvania could cut their rates by approximately 55% a year, but they just don't want to compare rate quotes online.

It is always a good idea to get comparison quotes once or twice a year because prices change quite often. Even if you got the best deal on insurance last year other companies may now be cheaper. Forget all the misinformation about insurance because it's time to teach you the best way to find lower rates on insurance.

Auto insurance providers offering competitive price quotes in Pennsylvania

The auto insurance companies shown below provide price comparisons in Pennsylvania. In order to find cheap auto insurance in Pennsylvania, we recommend you visit two to three different companies to find the lowest auto insurance rates.

Insurance Estimates for Popular Vehicles in West Chester
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $978 $489 $82
Chevrolet Equinox LS AWD $1,036 $518 $86
Chevrolet Malibu LT $1,020 $510 $85
Chevrolet Silverado LTZ Crew Cab 2WD $1,002 $501 $84
Dodge Grand Caravan Hero $906 $453 $76
Dodge Ram Crew Cab TRX 2WD $1,000 $500 $83
Ford Escape XLT 4WD $1,094 $547 $91
Ford F-150 STX Regular Cab 4WD $982 $491 $82
Ford Focus SES 2-Dr Coupe $978 $489 $82
GMC Sierra SLT Extended Cab 2WD $1,210 $605 $101
Honda Accord LX 4-Dr Sedan $732 $366 $61
Honda CR-V EX-L 4WD $664 $332 $55
Honda Civic Hybrid 4-Dr Sedan $1,062 $531 $89
Jeep Grand Cherokee Limited 2WD $1,090 $545 $91
Mazda 3 S Sport 4-Dr Hatchback $1,238 $619 $103
Nissan Altima 2.5 S 4-Dr Sedan $1,086 $543 $91
Toyota Camry XLE $1,158 $579 $97
Toyota Corolla XLE $1,062 $531 $89
Get Your Own Custom Quote Go

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in specific location which can lower or raise prices noticeably.

Auto insurance premiums by gender

The information below shows the difference between auto insurance costs for male and female drivers in West Chester. The information is based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied on a Toyota Corolla LE.

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

Discounts for lower West Chester car insurance rates

Buying car insurance is not cheap, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but a few must be specifically requested before being credited.Cheaper car insurance with discounts

Please keep in mind that some credits don't apply to the entire cost. Most cut specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, it's just not the way it works.

Larger car insurance companies and some of the premium reductions they offer are detailed below.

If you want affordable West Chester auto insurance quotes, ask every prospective company the best way to save money. Some discounts listed above might not be offered in West Chester.

Tailor your car insurance coverage to you

When it comes to insurance from an agent or online for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply.Higher deductibles save money For example, these questions might help in determining if your situation might need professional guidance.

If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Is there deception in advertising?

Consumers in Pennsylvania can't get away from ads that claim the best prices by Allstate, GEICO and Progressive. They all seem to have a common claim about saving some big amount after switching your insurance policy to them.

How do they all save you money on insurance? Just pay attention to how they say it.

Companies have a preferred profile for the type of customer that will not have excessive claims. One example of a profitable risk profile could possibly be between 30 and 50, has never had a policy lapse, and chooses high deductibles. Anyone who matches those parameters gets the lowest prices and will most likely save some money.

Drivers who are not a match for those criteria may be forced to pay higher premium rates which results in the customer buying from someone else. The ads say "people who switch" but not "all drivers who get quotes" save that much. This is how companies can truthfully lure you into getting a quote. This emphasizes why you need to do a price quote comparison at every renewal. It's just not possible to know the company that will have the lowest premium rates for your situation.

Car insurance overall losses by make and model

Do you own a high-claim vehicle? The statistics tables below show the highest and lowest models for the probability of filing claims.

Medical Payment Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Tesla Model S Kia Forte
Ford F-350 SuperCrew Dodge Charger
Audi A4 Allroad Chrysler 200
Ford F-250 SuperCrew Chevrolet Spark
Ford Expedition Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer

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

Lowest and Highest Car Insurance Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
GMC Sierra 2500 BMW M6
Chevy Spark Maserati Quattroporte
Chevy Silverado 2500 BMW M6
Smart ForTwo Audi S7
Nissan Xterra Bentley Continental GTC
Ford F-350 Maserati Granturismo

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

Lowest and Highest Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Smart ForTwo BMW M6
Chevrolet Colorado Bently Continental GT
Ford F-250 SuperCab Maserati Granturismo
GMC Canyon BMW 6 Series
Nissan Xterra Audi RS7
Ford F-150 SuperCrew Bentley Continental Flying Spur

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

Lowest and Highest Liability Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Volvo XC60 Dodge Charger
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Forester Chevrolet Impala
Subaru Outback Kia Rio
Fiat 500 Chrysler 200
Audi A6 Mitsubishi Mirage

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

Persistent drivers can save

Budget-friendly car insurance in West Chester is attainable both online in addition to many West Chester insurance agents, so you need to quote West Chester auto insurance with both so you have a total pricing picture. Some insurance companies don't offer online price quotes and usually these regional insurance providers work with independent agents.

We just presented some good ideas how to shop for car insurance online. It's most important to understand that the more companies you get rates for, the higher the chance of saving money. Drivers may even discover the lowest prices come from a lesser-known regional company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

More detailed car insurance information is located in these articles: