Cheap Insurance for Drivers with Good Credit in Pennsylvania

The words “bargain” and “auto insurance” really don’t belong together, especially when shopping around for the best car insurance for drivers with good credit. In an attempt to save some money, let’s lead off by showing you some situations that impact car insurance premiums, and see how we can help you reduce the price of your next policy.

The vehicle to be insured is one of the main factors when shopping around for the cheapest insurance for drivers with good credit. Vehicles with average performance, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The information below showcases auto insurance prices for a number of the most affordable vehicles to insure.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in specific location information which can change auto insurance rates substantially.

Looking at the rates, makes and models like the Honda CR-V, Chevrolet Traverse, Ford Edge, Chevrolet Malibu, and Hyundai Santa Fe are most likely going to be a few of the cheapest vehicles to insure for financially responsible drivers.

For financially responsible drivers, one of the more important criteria that is used by insurance companies to determine the cost of insurance is the neighborhood you call home in Pennsylvania. Larger areas like Philadelphia, Levittown, and Norristown tend to have more expensive auto insurance rates, whereas areas with less congestion profit from lower rates.

The illustration below shows the priciest cities in Pennsylvania for drivers with good credit to buy car insurance in.

Table data uses estimated as specific Pennsylvania garaging address can influence rates substantially.

Trying to find reasonably-priced auto insurance is difficult, and deciding which company has the cheapest auto insurance rates for drivers with good credit will take even more perseverance. Prices may be slightly lower than the state average, with the decrease attributed to the potential for fewer claims that comes with selling coverage for financially responsible drivers. Affordable insurance should be attainable without having to search too hard.

Each auto insurance company has their own process for establishing rates, so we need to take a look at the auto insurance companies with the overall best prices in Pennsylvania. Keep in mind that Pennsylvania auto insurance rates are based on many factors that may substantially change the policy premium. Simply improving your credit, getting married, or having an at-fault accident can trigger rate changes that can cause some rates to be more expensive than competitors.

Best Car Insurance Prices for High Credit

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General Casualty may have some of the most affordable car insurance rates in Pennsylvania at around $740 each year. Travelers, USAA, Erie, and Penn National also qualify as some of the cheaper Pennsylvania car insurance companies.

In this example, if you currently have coverage with USAA and switched to General Casualty, you may realize savings of roughly $69. Policyholders with Erie might save as much as $76 a year, and Penn National insureds might reduce rates by $100 a year.

Understand that those prices are averages across all ages of drivers and types of vehicles and and are not figured with a rate decrease for drivers with good credit. So the company that fits you best may not even be featured in the list above. That emphasizes why you need to compare as many prices as possible using your own driver data and vehicle information.

Impact of violations and accidents on rates

The ideal way to maintain the best auto insurance prices in Pennsylvania for financially responsible drivers is to be an attentive driver and avoid accidents and violations. The illustration below highlights how speeding tickets and at-fault fender-benders raise insurance rates for each different age group. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of car insurance in Pennsylvania per year with no violations or accidents is $2,104. Add in two speeding tickets and the average cost swells to $2,782, an increase of $679 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for drivers with good credit jumps again to an average of $3,468. That’s an increase of $1,365, or $114 per month, just for a couple of infractions!

Does Progressive, Geico, State Farm, or Allstate have the cheapest car insurance?

If you want the best car insurance for financially responsible drivers in Pennsylvania, some of the first companies to look at are Progressive, Geico, State Farm, and Allstate. The following table compares and contrasts ratings and policy coverage options shoppers can expect to find with each one.

How to find low-cost car insurance for drivers with good credit

The list below summarizes many penny-pinching suggestions that can help you buy cheaper auto insurance.

• Increase your physical damage deductibles
• Clean up your credit
• Maintain a safe distance and avoid accidents
• Maintain a clean driving record
• Buying car and homeowners insurance together can save money
• Try to remain claim-free
• Shop around for cheaper rates regularly

The last tip in the list is highly significant, as we pointed out in this write-up. Insurance rates adjust frequently, so drivers shouldn’t hesitate to buy a different policy if a cheaper price is available. Sticking with a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you money that could be used for better things. It takes less than five minutes to shop around to find cheaper car insurance for drivers with good credit.