Would you like to stop wasting money and find more competitive car insurance rates in McKeesport, PA? Nobody I know rejoices having to buy car insurance, especially when they are aware that they could get a better deal.
A recent study showed that over 70% of consumers have been with the same company for at least the last four years, and about 40% of consumers have never shopped around. American drivers could save an average of up to $850 each year just by comparing rates, but they underestimate the rate savings if they just switched companies.
Drivers have multiple car insurance companies to pick from, and although it's nice to have a choice, lots of choices makes it harder to find the best rates.
You should take the time to get comparison quotes as often as possible due to the fact that insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates on car insurance six months ago you may be paying too much now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the easiest way to get good coverage on car insurance at a lower rate.
Locating the best rates in McKeesport is not that difficult. Essentially every vehicle owner who needs cheaper auto insurance stands a good chance to be able to find lower rates. But Pennsylvania vehicle owners must understand the methods companies use to determine prices and use this information to your advantage.
Auto insurance companies offering affordable rates in Pennsylvania
The following companies offer comparison quotes in Pennsylvania. In order to find the best cheap auto insurance in Pennsylvania, we recommend you get rates from several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LS||$986||$493||$82|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,014||$507||$85|
|Dodge Ram Quad Cab SLT 2WD||$1,258||$629||$105|
|Ford Escape XLS 2WD||$1,194||$597||$100|
|Ford F-150 STX Regular Cab 4WD||$926||$463||$77|
|Ford Focus SE 2-Dr Coupe||$978||$489||$82|
|Honda Accord LX-S 2-Dr Coupe||$1,130||$565||$94|
|Honda CR-V EX-L 4WD||$900||$450||$75|
|Honda Civic DX 2-Dr Coupe||$1,144||$572||$95|
|Kia Optima LX||$1,074||$537||$90|
|Mazda 3 S Grand Touring 4-Dr Sedan||$1,070||$535||$89|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,262||$631||$105|
|Nissan Rogue S 2WD||$1,146||$573||$96|
|Toyota Camry XLE||$1,212||$606||$101|
|Toyota Corolla S||$924||$462||$77|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can affect insurance rates noticeably.
Liability-only rates compared to full coverage
The information below illustrates the comparison of Ford Focus insurance premiums with full coverage compared to only the Pennsylvania minimum liability coverage. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single male driver, and no discounts are applied.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
When to drop full coverage
There is no clear-cut formula to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let's say your Ford Focus replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your policy deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not buy liability only.
Where to set your deductibles
The diagram below shows how different deductible levels and can increase or decrease Honda Accord insurance premiums for different age groups of insureds. The data is based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Annual premiums comparing men and women
The diagram below illustrates the comparison of insurance costs for male and female drivers in McKeesport. The data assumes no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration on a Ford Escape Limited.
Ford Escape rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Don't overlook these insurance discounts
Auto insurance companies don't always advertise the entire discount list very well, so here is a list a few of the more common and the harder-to-find credits available to you.
- Theft Prevention Discount - Vehicles optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- New Vehicle Savings - Putting insurance coverage on a new car can save up to 30% because newer vehicles keep occupants safer.
- Online Discount - A few larger online companies will provide an incentive for completing your application on the web.
- Student in College - Any of your kids who are enrolled in a college that is more than 100 miles from McKeesport and do not take a car to college may be insured at a cheaper rate.
- Home Ownership Discount - Owning a house in McKeesport can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
- Sign Early and Save - A few insurance companies offer discounts for signing up before your current coverage expires. It can save you around 10%.
- Defensive Driving Course - Taking part in a defensive driver class could save 5% or more and easily pay for the cost of the class.
One last thing about discounts, most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it's possible to get free car insurance, company stockholders wouldn't be very happy.
To locate companies offering insurance discounts in McKeesport, follow this link.
Smart buyers can save money
Many things are taken into consideration when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other criteria are less obvious such as your marital status or how financially stable you are.
Get cheaper rates after the wedding - Being married may earn you lower rates when shopping for auto insurance. It demonstrates that you tend to be more mature and responsible and it's proven that drivers who are married file infrequent claims.
Stress out and pay more - Jobs like military personnel, air traffic controllers, and emergency personnel usually pay higher premiums than the average policyholder attributed to intense work-related stress and long work hours. On the other hand, careers such as scientists, historians and the unemployed receive lower rates.
Can a thief steal your car? - Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Drivers with high credit save on auto insurance - A driver's credit score will be a significant factor in determining what you pay for auto insurance. Insureds with excellent credit scores tend to be less risk to insure than those with worse credit. If your credit score can use some improvement, you may save money insuring your vehicle by spending a little time repairing your credit.
Careless drivers pay higher costs - Attentive drivers get better rates as compared to those with violations. Even one driving citation could increase your next policy renewal by as much as thirty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
Mature drivers pay less - Older insureds tend to be more responsible, file fewer claims, and get fewer tickets.Young drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
Persistent drivers can save
We just presented a lot of information how to get a better price on insurance in McKeesport. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. You may even be surprised to find that the biggest savings come from an unexpected company. These companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.
As you go through the steps to switch your coverage, don't be tempted to reduce needed coverages to save money. In too many instances, someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best possible price, not the least amount of coverage.
To learn more, take a look at these articles:
- Should I Buy a New or Used Car? (Allstate)
- What is the Cheapest Auto Insurance in Levittown, Pennsylvania? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)