How long has it been since you sat down and looked for lower-priced auto insurance rates in Lancaster, PA? Sick and tired of sacrificing other expenses to keep your car insured? You're in the same situation as the majority of other people in Pennsylvania.

Statistics show that a large majority of auto insurance policyholders in Pennsylvania renewed their policy with the same company for at least the last four years, and 38% of drivers have never even shopped around for lower-cost coverage. Most drivers in America can save 47% each year by just shopping around, but they feel it's too difficult to go online and compare rates. Numerous auto insurance companies battle for your insurance dollar, so it's not easy to compare every insurance company to find the absolute best price available on auto insurance.

It is always a good idea to quote other rates on a regular basis because auto insurance prices trend upward over time. Even if you got the lowest price on auto insurance last year you can probably find a better rate now. There are lots of tips to save on auto insurance on the web, but you can learn some great ideas on how to save money.

If you have a current car insurance policy or just want cheaper coverage, you can use these techniques to reduce the price you pay and still have adequate protection. Finding the cheapest coverage in Lancaster is quite easy. Smart shoppers just need to use the most time-saving way to compare price quotes from many different companies.

The method we recommend to compare insurance rates from multiple companies is to realize most insurance companies will pay a fee to quote your coverage. The only thing you need to do is provide details like what you do for a living, how much school you completed, if the car is leased, and the type of vehicles you drive. That information is then submitted to insurance carriers in your area and they respond with quotes within a short period of time.

If you would like to compare rates now, click here and see if a lower rate is available in Lancaster.

The companies shown below can provide price quotes in Lancaster, PA. If you want the cheapest car insurance in Pennsylvania, we recommend you get price quotes from several of them to get the most affordable price.

Insurance Price Estimates for Popular Vehicles in Lancaster
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $1,112 $556 $93
Chevrolet Silverado LTZ Crew Cab 4WD $1,070 $535 $89
Dodge Ram Crew Cab Laramie 4WD $1,376 $688 $115
Ford Edge Limited AWD $1,196 $598 $100
Ford Escape XLS 2WD $836 $418 $70
Ford F-150 Lariat King Ranch 4WD $1,582 $791 $132
Ford Focus SES 4-Dr Sedan $1,080 $540 $90
GMC Sierra SLE Crew Cab 4WD $1,266 $633 $106
Honda Accord EX 4-Dr Sedan $774 $387 $65
Honda CR-V EX-L 2WD $1,018 $509 $85
Honda Civic LX 2-Dr Coupe $934 $467 $78
Jeep Grand Cherokee SRT-8 4WD $938 $469 $78
Nissan Altima 2.5 4-Dr Sedan $854 $427 $71
Toyota Camry SE $1,244 $622 $104
Toyota Corolla S $1,024 $512 $85
Volkswagen Jetta SEL 4-Dr Sedan $1,070 $535 $89
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in vehicle garaging location which can impact auto insurance rates noticeably.

Insurance rate increases from tickets or accidents

The chart below demonstrates how traffic citations and at-fault collisions can drive up Ford F-150 insurance rates for different categories of driver ages. The information is based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparison of full coverage and liability-only policies

The diagram below examines Honda Civic insurance costs with liability coverage only compared to full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, single male driver, and no other discounts are factored in.

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

Guidelines for eliminating full coverage

There is no clear-cut rule to exclude physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's assume your Honda Civic claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it's costing you more than $600 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Lancaster insurance premiums by gender and age

The information below illustrates the comparison of insurance costs for male and female drivers in Lancaster. The data is based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, drivers are not married, and no additional discounts are factored in on a Chevrolet Tahoe LS.

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

Do you qualify for discounts on car insurance?

Car insurance can be pricey, but there's a good chance there are discounts that many people don't even know exist. Certain credits will be shown when you quote, but occasionally some discounts must be requested specifically prior to getting the savings.Cheaper car insurance with discounts

Don't be surprised that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount should help lower the amount you have to pay.

Larger car insurance companies and their offered discounts can be found below.

If you need lower rates, check with all the companies what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in Lancaster. To locate insurers with discount car insurance rates in Pennsylvania, follow this link.

How your Lancaster costs are determined

Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but some are less apparent such as your credit history or your financial responsibility.

Listed below are some of the things used by insurance companies to determine your prices.

Combine home and auto and save - Lots of auto insurance companies allow better rates to insureds who have multiple policies with them. It's known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even if you're getting this discount you may still want to compare other company rates to make sure you are getting the best deal. You may still be able to save more without the discount by buying insurance from more than one company.

Allowing your auto insurance to lapse raises rates - Having a lapse in insurance coverage is a sure-fire way to trigger a rate increase. In addition to paying higher rates, failure to provide proof of insurance might get you a revoked license or a big fine.

Single vs. married - Being married helps lower the price on your auto insurance bill. Having a significant other generally demonstrates drivers are more mature than a single person and it's proven that drivers who are married are more cautious.

More people means more accidents - Residing in less populated areas of the country may provide you with better prices when insuring your vehicles. Fewer drivers on the road means fewer accidents and lower theft and vandalism rates. Residents of big cities regularly have more traffic problems and longer commute times. More time on the road translates into higher accident risk.

Traffic violations can be expensive - Even a single speeding ticket may cause rates to rise to the point where it's not affordable. Careful drivers tend to pay less for car insurance as compared to careless drivers. Drivers with serious tickets such as DUI, reckless driving or excessive speeding may be required to prove financial responsibility with their state's licensing department in order to legally drive a vehicle.

Liability insurance is cheap - A critical coverage on your policy, liability insurance kicks in if ever you are determined to be liable for damages caused by your negligence. This coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.

Safer cars cost less to insure - Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your vehicle is rated at least four stars on or an "acceptable" rating on it may cost less to insure.

Drive less and get lower rates - Driving more miles in a year the higher your rates will be. The majority of insurers apply a rate based upon how much you drive. Autos that sit idle most of the time receive lower rates than vehicles that have high annual mileage. It's always a good idea to double check that your auto insurance policy properly reflects the right rating data.

What if I want to buy from local Lancaster insurance agents?

Certain consumers still prefer to talk to a local agent and that can be a great decision Good insurance agents are highly skilled in risk management and give you someone to call. A nice benefit of comparing insurance prices online is you can get cheap auto insurance quotes but also keep your business local.

Find insurance agent in LancasterBy using this simple form, your information gets sent to insurance agents in Lancaster who want to provide quotes for your insurance coverage. There is no need to drive around because quoted prices will be sent directly to you. If you want to quote rates from a specific auto insurance provider, you just need to find their quoting web page and give them your coverage information.

Choosing an provider requires you to look at more than just a cheap price quote. The following questions are important to ask.

Auto insurance claims by make and model

Are you driving a vehicle with a high chance of a claim? The tables below show the best and worst vehicle makes and models for likelihood of filing claims for each type of coverage.

Lowest and Highest Collision Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Colorado Bently Continental GT
Ford Edge Bently Continental GTC
Nissan Xterra Nissan GT-R
Ford F-250 SuperCab Maserati Granturismo
Jeep Wrangler BMW M6
Mini Cooper Audi RS7

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

Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Infiniti QX50 BMW M6
Smart ForTwo Porsche Panamera GTS
Volvo V60 Maserati Quattroporte
Chevy Silverado 2500 Bentley Continental GTC
Nissan Leaf Audi S7
GMC Sierra 2500 Bentley Continental GT

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

Vehicles with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claims Highest Claims
Ford F-250 SuperCrew Chrysler 200
Tesla Model S Dodge Charger
Chevrolet Corvette Nissan Sentra
Audi A4 Allroad Kia Forte
Chevrolet Silverado 3500 Hyundai Accent
Ford Expedition Mitsubishi Mirage

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
Subaru Forester Chevrolet Impala
Volvo XC60 Mitsubishi Mirage
Chevrolet Corvette Hyndai Accent
Fiat 500 Dodge Charger
Audi A6 Kia Optima
Acura MDX Chrysler 200

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

Can switching companies really save?

Pennsylvania drivers can't ignore all the ads that promise big savings by State Farm, GEICO and Progressive. All the ads make the same claim that people will save if you change to their company.

How does each company charge lower premium rates? It's all in the numbers.

Companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable risk might be between 30 and 50, insures multiple vehicles, and has great credit. Any driver that hits that "sweet spot" will get low premium rates and most likely will save quite a bit of money when switching.

Drivers who don't qualify for those criteria may receive higher prices and the prospect going elsewhere. If you listen to the ad wording, they say "drivers who switch" but not "all drivers who get quotes" save that much. That is how insurance companies can advertise the savings. Because of these techniques, it's extremely important to compare free Lancaster car insurance quotes often. It's just too difficult to predict with any certainty which company will provide the lowest auto insurance in Lancaster.

Car insurance savings summarized

As you quote Lancaster car insurance, do not reduce needed coverages to save money. In many cases, drivers have reduced collision coverage only to discover later they didn't have enough coverage. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

In this article, we covered many ideas to get a better price on car insurance in Lancaster. The key thing to remember is the more companies you get auto insurance rates for, the better likelihood of getting cheaper Lancaster car insurance quotes. Consumers could even find that the most savings is with a smaller regional carrier. Some small companies often have lower auto insurance rates on specific markets than their larger competitors like State Farm or Progressive.

There are still a few companies who do not offer online quoting and these small, regional companies sell through independent agents. The cheapest car insurance in Lancaster can be sourced from both online companies as well as from independent agents in Lancaster, so you need to compare both so you have a total pricing picture.

Much more information about car insurance in Pennsylvania is located below: