Baffled by the dozens of auto insurance companies available to you? You have so many companies available that it can easily turn into a difficult situation to find better rates. If you've ever been there, you know that Hazleton is a wonderful place to live, but expensive premiums for auto insurance makes it very hard to afford proper coverage amounts.

A recent survey discovered that the vast majority of consumers renewed their policy with the same company for well over three years, and just short of a majority have never shopped around. Pennsylvania drivers could save about 55% every year just by comparing rates, but most just don't grasp how much savings they would realize if they switched to a cheaper policy.

Locating the best rates in Hazleton can be made easier if you know where to look. Just about anyone who is overpaying for insurance will get a lower-priced policy. Nevertheless, Pennsylvania vehicle owners must know the methods companies use to price insurance differently because it can help you find the best coverage.

There are several ways to compare quotes from different Hazleton insurance companies. The easiest way to compare insurance prices is to perform an online rate comparison. Just remember that quoting more helps increase your odds of locating a better price.

The car insurance companies shown below provide free quotes in Pennsylvania. To get cheap car insurance in Pennsylvania, we recommend you visit two to three different companies to get the best price comparison.

Insurance Rates for Popular Vehicles in Hazleton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $1,040 $520 $87
Chevrolet Silverado LS Crew Cab 4WD $1,082 $541 $90
Dodge Grand Caravan SXT $872 $436 $73
Dodge Ram Crew Cab Sport 2WD $1,168 $584 $97
Ford Escape XLS 2WD $720 $360 $60
Ford F-150 SVT Raptor Super Cab 4WD $1,168 $584 $97
Ford Focus SES 2-Dr Coupe $1,108 $554 $92
GMC Sierra SLE Extended Cab 4WD $1,188 $594 $99
Honda Accord EX 4-Dr Sedan $1,084 $542 $90
Honda CR-V EX 4WD $894 $447 $75
Honda Civic DX 2-Dr Coupe $1,322 $661 $110
Jeep Grand Cherokee Limited 2WD $1,544 $772 $129
Kia Optima EX $1,336 $668 $111
Nissan Altima 2.5 S 4-Dr Sedan $1,084 $542 $90
Toyota Camry SE $1,048 $524 $87
Toyota Corolla XLE $1,086 $543 $91
Toyota RAV4 4WD $1,038 $519 $87
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,168 $584 $97
Get Your Own Custom Quote Go

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific location which can decrease or increase rates substantially.

Rate comparison for different deductibles

The illustration below highlights how deductible selection and can impact Honda Pilot insurance prices for each age group. Data assumes a single male driver, comp and collision included, and no policy discounts are applied.

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

Premiums by gender and age

The diagram below compares insurance prices for male and female drivers in Harrisburg. The information is based on no claims or violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium on a Nissan Sentra SE-R SPEC V.

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

Companies offer money-saving discounts on insurance

Some companies do not list all discounts very clearly, so the following list contains both the well known and also the lesser-known credits that may apply to you.Insurance discounts

Don't be surprised that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think you could get a free insurance policy, it just doesn't work that way.

A few of the larger companies and a selection of discounts are detailed below.

Double check with every insurance company which discounts they offer. Some discounts may not apply to policyholders in Hazleton. If you would like to see a list of providers that provide some of the discounts listed above in Hazleton, click here to view.

Can't I compare rate quotes from local Hazleton insurance agents?

A lot of people would rather visit with an insurance agent and doing that can be a smart decision A good thing about price shopping on the web is the fact that you can find lower rates and still choose a local agent.

Find insurance agent in HazletonUpon completion of this form (opens in new window), the quote information is submitted to local insurance agents who will give you quotes for your coverage. There is no need to do any legwork because prices are sent straight to your inbox. It's the lowest rates and work with a local agent. If for some reason you want to get a comparison quote from one company in particular, feel free to navigate to their website to submit a rate quote request.

Finding the right insurer shouldn't rely on just the price. Here are some questions you might want to ask.

The difference between Hazleton auto insurance agents

When researching a local Hazleton insurance agency, there are two types of agencies and how they are distinctly different. Hazleton agents are either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents of this type can only provide one company's prices such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on the products they sell which aids in selling service over price. Some consumers prefer to buy from exclusive agents mostly because of the prominence of the brand rather than low price.

Independent Insurance Agents

These agents do not sell for just one brand so they can write business with an assortment of companies and get the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage which is easy for the insured. When comparison shopping, we recommend you include rate quotes from at a minimum one independent agency for the best price selection. A lot of them also have access to companies that do not advertise much who may have lower rates.

Lower Your Rates with these tips

Many factors are taken into consideration when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are less obvious such as whether you are married or your financial responsibility.

Credit rating impacts prices - An insured's credit score factor in calculating your premium rate. Insureds that have good credit tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit leaves room for improvement, you could potentially save money when insuring your vehicle by repairing your credit.

Careless driving means higher rates - Attentive drivers have lower premiums compared to bad drivers. Even one ticket can bump up the cost substantially. Drivers who have received flagrant violations such as reckless driving or DUI may find that they have to to submit a SR-22 form with their state motor vehicle department in order to legally drive.

High car insurance claims frequency drives up prices - If you file a lot of claims you should expect increased rates or even have your policy non-renewed. Car insurance companies in Pennsylvania generally give better rates to policyholders who do not file claims often. Auto insurance is intended for larger claims.

How do annual miles impact costs? - The more you drive your car each year the higher your rate. Most companies charge to insure your cars partially by how you use the vehicle. Vehicles that are left in the garage cost less to insure than vehicles that have high annual mileage. Ask your agent if your car insurance declarations sheet is showing the correct usage, because improper ratings can cost you money.

Only buy extra policy coverages you need - Insurance companies have many extra coverages that you can get tricked into buying if you aren't diligent. Add-on coverages like vanishing deductibles, accidental death, and motor club memberships could be just wasting money. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.

Experienced drivers save more - Youthful drivers in Pennsylvania tend to be inattentive when driving so car insurance rates are higher. Having to add a teen driver onto your car insurance can cause a big jump in price. Older people have been proven to be more responsible, cost insurance companies less in claims, and usually have better credit.

Auto insurance does more than just protect your car

Despite the potentially high cost of auto insurance, auto insurance is required for several reasons.

The benefits of having auto insurance are without a doubt worth the cost, especially for larger claims. An average driver in America overpays as much as $700 annually so compare rates each time the policy renews to save money.

Claim statistics by make and model

Are you driving a vehicle with a high chance of a claim? The data below list the highest and lowest vehicle makes and models for the probability of having to file claims for each type of coverage.

Manufacturer Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Hyundai Accent
Ford Expedition Mitsubishi Lancer
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 3500 Chrysler 200
Tesla Model S Chevrolet Sonic
Chevrolet Corvette Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Collision Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Mini Cooper Ferrari 458
Chevrolet Colorado Bentley Continental Flying Spur
Ford F-250 SuperCab BMW 6 Series
Smart ForTwo Maserati Granturismo
Nissan Xterra Audi RS7
Jeep Wrangler Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 Bentley Continental GT
Ford F-350 Maserati Quattroporte
Nissan Xterra BMW M6
Smart ForTwo Maserati Granturismo
Infiniti QX50 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Acura MDX Mitsubishi Mirage
Volvo XC60 Chevrolet Impala
Mercedes-Benz SL Class Hyndai Accent
Subaru Outback Kia Optima
Chevrolet Corvette Chrysler 200
Fiat 500 Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Be persistent to save money

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Insureds switch companies for a variety of reasons including poor customer service, not issuing a premium refund, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is easier than you think.

Low-cost auto insurance in Hazleton is available both online in addition to local insurance agencies, so you need to shop Hazleton car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get a quote online and many times these smaller providers sell through local independent agencies.

More detailed auto insurance information can be read in these articles: