Are you doing reasearch to find the cheapest insurance rates in Scranton, PA? Locating cheaper quotes on the web might appear rather challenging for drivers not familiar with buying their insurance on the internet. With literally dozens of insurance companies available, how are we expected to have time to compare the different rates to find the cheapest price possible?

Amazingly, a large majority of consumers renewed their policy with the same company for four years or more, and approximately 38% of consumers have never quoted rates to find affordable coverage. Consumers in Scranton can save almost 55% each year by just comparing rate quotes, but they just don't understand the benefits if they changed companies.

It's important to do price comparisons yearly because prices are adjusted regularly by insurance companies. Even if you think you had the best price on insurance at your last renewal the chances are good that you can find a lower rate quote today. There are a lot of ways to save on insurance online but you can learn the best ways to lower your insurance premiums.

Auto insurance companies offering competitive rates in Pennsylvania

The companies in the list below are our best choices to provide free quotes in Pennsylvania. If your goal is to find cheaper car insurance in Pennsylvania, we recommend you get rates from several of them to get the lowest price.

Insurance Costs for Popular Vehicles in Scranton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,122 $561 $94
Chevrolet Impala LTZ $954 $477 $80
Chevrolet Silverado LTZ Crew Cab 4WD $1,070 $535 $89
Dodge Ram Quad Cab ST 4WD $1,236 $618 $103
Ford Edge SE 2WD $1,192 $596 $99
Ford Escape Limited 2WD $1,018 $509 $85
Ford F-150 XL Crew Cab 4WD $840 $420 $70
Ford Focus S 4-Dr Sedan $1,014 $507 $85
Honda Accord LX-P 4-Dr Sedan $954 $477 $80
Honda CR-V EX 2WD $948 $474 $79
Honda Civic EX-L 4-Dr Sedan $1,460 $730 $122
Hyundai Elantra Blue 4-Dr Sedan $914 $457 $76
Jeep Grand Cherokee Laredo 2WD $870 $435 $73
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,206 $603 $101
Kia Optima LX $1,168 $584 $97
Mazda 3 I SV 4-Dr Sedan $968 $484 $81
Nissan Altima 2.5 S 2-Dr Coupe $1,336 $668 $111
Toyota Camry XLE $936 $468 $78
Toyota Corolla LE $1,336 $668 $111
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in specific zip code location which can change coverage rates substantially.

Can higher deductibles save money?

One common question asked by Scranton drivers is which comprehensive and collision deductibles to buy. The comparisons below can help illustrate the differences in premium rates when you choose different comp and collision deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

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

Ford Focus insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $222 $428 $330 $20 $98 $1,123 $94
Focus SE 4-Dr Sedan $222 $428 $330 $20 $98 $1,123 $94
Focus SEL 4-Dr Sedan $222 $506 $330 $20 $98 $1,201 $100
Focus SES 4-Dr Sedan $222 $506 $330 $20 $98 $1,201 $100
Focus SE 2-Dr Coupe $254 $506 $372 $22 $112 $1,291 $108
Focus SES 2-Dr Coupe $254 $506 $372 $22 $112 $1,291 $108
Get a Quote for Your Vehicle Go
Ford Focus insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $180 $346 $330 $20 $98 $974 $81
Focus SE 4-Dr Sedan $180 $346 $330 $20 $98 $974 $81
Focus SEL 4-Dr Sedan $180 $408 $330 $20 $98 $1,036 $86
Focus SES 4-Dr Sedan $180 $408 $330 $20 $98 $1,036 $86
Focus SE 2-Dr Coupe $206 $408 $372 $22 $112 $1,120 $93
Focus SES 2-Dr Coupe $206 $408 $372 $22 $112 $1,120 $93
Get a Quote for Your Vehicle Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in garaging location in Scranton which can raise or lower premium rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $14 more each month or $168 a year than buying the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 18 months between claims, you would save more money by selecting a higher deductible.

Affordable Scranton car insurance quotes with discounts

Some insurance providers don't always advertise the complete list of policy discounts very well, so the following list contains both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Scranton car insurance online. If you do not check that you are getting every discount possible, you are just wasting money.Cheaper car insurance with discounts

As a sidenote, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way.

The best car insurance companies and a partial list of their discounts can be found below.

When getting free Scranton car insurance quotes, it's a good idea to each company or agent which credits you are entitled to. Savings may not be offered in every state. To find insurance companies who offer cheap car insurance quotes in Pennsylvania, click here.

Beware of misleading auto insurance ads

Companies like Allstate and Progressive seem to constantly run ads on TV and radio. They all seem to make an identical promise that you'll save big just by switching your auto insurance coverage to their company. It sounds good, but how can they all give you a better price on auto insurance? It's all in the numbers.

Companies have specific guidelines for the type of driver that earns them the highest profit. For instance, a profitable risk profile might be between 30 and 50, has a clear driving record, and chooses high deductibles. A driver who matches those parameters will get a cheap rate quote in Scranton and will save quite a bit of money when switching.

Insureds who cannot meet the ideal profile will have to pay higher rates which leads to the customer not purchasing. The trick is to say "customers that switch" not "everyone that quotes" save money. This is how insurance companies can make claims like that.

This really emphasizes why you should do a rate comparison at every renewal. It is impossible to predict with any certainty which company will provide you with the cheapest auto insurance in Scranton.

Auto insurance claim information

Which vehicles statistically have the fewest claims? The tables below outline the good and bad cars and trucks for likelihood of filing claims.

Liability Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Subaru Outback Mitsubishi Lancer
Chevrolet Corvette Chevrolet Sonic
Fiat 500 Chrysler 200
Audi A6 Kia Optima
Mercedes-Benz SL Class Dodge Charger
Volvo XC60 Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 Bentley Continental GTC
Infiniti QX50 Mercedes-Benz S Class
Chevy Silverado 2500 Audi S7
GMC Sierra 2500 BMW M6
Nissan Xterra Maserati Quattroporte
Nissan Leaf Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Tesla Model S Chrysler 200
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Kia Forte
Chevrolet Silverado 3500 Chevrolet Sonic
Land Rover Range Rover Sport Nissan Sentra
Ford F-250 SuperCrew Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford Edge BMW M6
Nissan Xterra Bently Continental GT
Ford F-150 SuperCrew Maserati Granturismo
Smart ForTwo Nissan GT-R
Mini Cooper Bentley Continental Flying Spur
Ford F-250 SuperCab Audi RS7

Statistics from IIHS.org for 2013-2015 Model Years

Car insurance savings summarized

When searching for affordable Scranton car insurance quotes, make sure you don't buy less coverage just to save a little money. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that they should have had better coverage. Your objective should be to find the BEST coverage at an affordable rate, but don't skip important coverages to save money.

Some insurance providers don't offer online rate quotes and many times these smaller companies only sell coverage through independent insurance agents. Budget-friendly car insurance in Scranton can be sourced on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from.

You just read quite a bit of information on how to lower your car insurance premium rates in Scranton. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. You may even find the best price on car insurance is with some of the lesser-known companies.

Even more information is available in the articles below: