Cheap Auto Insurance Quotes for Low Income Drivers in Pennsylvania

The cost and performance of the vehicle you are seeking coverage for is a large factor when comparing affordable auto insurance for low income drivers. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The information below outlines car insurance costs for a selection of the most cost-effective vehicles to insure.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can affect insurance rates noticeably.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in garaging location in Pennsylvania which can alter auto insurance rates substantially.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in garaging location in Pennsylvania which can impact insurance rates noticeably.

For poor drivers, one of the largest factors that insurance companies use when figuring rate quotes is your zip code in Pennsylvania. Cities with larger populations or higher claim trends like Philadelphia, Chester, and Norristown tend to have higher rates, whereas areas that are not as densely populated benefit from lower prices.

The table below rates the more expensive cities in Pennsylvania for low income drivers in which to buy car insurance.

Table data uses comparative as zip code location can revise rates considerably.

Establishing which company quotes the best auto insurance rates for low income drivers will require a tad more effort in order to find the best policy. Each insurance company uses different criteria for determining prices, so we’ll go over the auto insurance companies that tend to have lower prices in Pennsylvania.

Keep in mind that Pennsylvania auto insurance rates are determined by lots of factors that can increase your annual premium. Simply having another birthday, marrying your spouse, or getting a reckless driving citation can trigger price changes that may make certain companies cheaper than others.

Cheapest Insurance Rates in Pennsylvania

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General Casualty generally has some of the lowest car insurance rates in Pennsylvania at around $718 annually. Travelers, Penn National, USAA, and Erie also qualify as some of the cheaper Pennsylvania car insurance companies.

As shown above, if you have coverage with Erie and switched to Travelers, you could earn a yearly savings of in the neighborhood of $45. Customers with Amica could save as much as $213 a year, and Auto-Owners insureds might see rate reductions of $214 a year.

To discover how much you can save, click here to start a quote or quote prices from the following companies.

Remember that these premium estimates are averaged for all types of insureds and vehicles and do not take into consideration a rate discount for low income drivers. So the company that has the cheapest rates for you may not even be in the list of companies above. That is why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Liability only or full coverage

Finding cheap car insurance for low income drivers in Pennsylvania is important to most people, and an easy way to pay lower rates for insurance is to buy only liability coverage. The diagram below illustrates the comparison of yearly insurance costs with liability coverage only compared to full coverage. The premiums assume a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are factored in.

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As an average for all age groups, physical damage coverage costs $2,528 per year more than carrying just liability coverage. Lot’s of drivers question if it’s a good idea to buy full coverage. There is no set guideline to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your vehicle’s settlement value is $8,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,500 after the deductible is paid. If you are paying in excess of $750 annually to have full coverage, then it may be the right time to buy liability only.

There are some conditions where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

State Farm, Allstate, Progressive, and Geico compared

If you want reliable car insurance for poor drivers, the four most popular companies are State Farm, Allstate, Progressive, and Geico. Combined they make up almost 50% of all auto insurance written. The data below points out price and claims rank as well as some different options that are available for policyholders.

Find cheap car insurance for low income drivers in Pennsylvania

The list below shows a few penny-pinching suggestions that can help drivers buy the cheapest car insurance.

• Prevent rate increases by staying accident-free
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Claim-free policyholders usually earn a discount
• If your vehicles are older, consider dropping full coverage
• Buy a car with high safety ratings
• Bundle home or renters insurance to earn a discount on car insurance
• Compare rates regularly and switch companies to save money

That final tip is extraordinarily critical, as was emphasized in this piece. Prices charged by companies in Pennsylvania fluctuate constantly, so don’t hesitate to buy from a new company if a better rate can be found. We understand brand loyalty, but it isn’t a good idea if that inflexibility results in costing you money that could be spent on other things. In just a couple of minutes you could compare prices and find cheaper auto insurance for low income drivers.

Best cheap insurance quotes for poor drivers

There are many different ways to comparison shop for auto insurance in Pennsylvania, but the most common are either through an independent agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or from a direct company like Geico or Progressive. They all have the same end result, but each is different in how they provide price quotes.

Independent insurance agencies write for multiple companies and can get policy pricing from each one. These types of agents are not employed by one specific company and can provide you with more rates, which can help you get improved odds of finding cheaper coverage. If your agent finds a cheaper company, they simply move your policy to a different company which makes it simple for you.

An exclusive agent is only able to write with a single insurance company such as State Farm and Allstate agents. Exclusive agents are unable to place coverage with different providers, so you will not be able to compare other companys’ rates.

Buying auto insurance direct means you bypass the middleman (the agent) and buy from a direct company like Progressive or Esurance. Shopping for auto insurance direct may be a decent choice consumers who have lower risk management needs and know more than average about the exclusions of a policy.

Which method works best to find cheap car insurance for low income drivers in Pennsylvania? The majority of auto insurance shoppers assume that shopping direct results in the best prices because there is no agent involved, but that turns out to not be true. A good argument could also be made that an independent agency is the best way to go due to having more companies to select from, but again, that’s not a true statement. In some circumstances, the exclusive agents have very competitive rates that are the cheapest.

Due to that fact that auto insurance uses so many rating variables, really the only way to not overpay for auto insurance is to get quotes and compare the rates. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies in order to have enough rates to compare. For a list of companies with some of the cheapest Pennsylvania auto insurance rates, click here to view.