Cheapest Car Insurance Quotes for Low Credit Scores in Pennsylvania

Wouldn’t it be excellent if you could know instantly the one company that has the most affordable coverage for low credit scores? It’s just not that easy, however, as there are many unknown elements such as if you rent or own your home, your gender, what level of deductibles you need, and the level of liability coverage you want, that all factor into the price you pay. We will touch on the different ways to avoid overpaying and hopefully give you enough understanding to have some help in finding cheaper rates.

The make and model of vehicle requiring insurance is a large consideration when trying to find affordable auto insurance for low credit scores. Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models. The data below presents coverage costs for a number of the most affordable automobiles to buy insurance for.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in vehicle location which can revise premium rates substantially.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in your specific Pennsylvania location which can decrease or increase prices considerably.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location information which can revise rates significantly.

Comparing rates for affordable auto insurance is hard enough, and deciding which companies quote the lowest-priced car insurance rates for low credit scores may require even more work. Each insurer uses a slightly different approach to set policy rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Pennsylvania.

Keep in mind that Pennsylvania car insurance rates are impacted by many things which can substantially decrease or increase the policy premium. That is why it is so important to shop around to get the best car insurance rates for low credit scores. Auto insurance prices are calculated by many factors and can increase or decrease at any time, so the most economical option six months ago may now be wasting a lot of money.

Lowest Insurance Price Quotes in Pennsylvania

Click Here to Start Your Quote

General Casualty may have some of the lowest car insurance rates in Pennsylvania at around $748 annually. Erie, Travelers, USAA, and Penn National also rank well as some of the cheaper Pennsylvania car insurance companies.

In this example, if you currently have coverage with USAA and switched to Erie, you may see a yearly savings of approxmiately $25. Policyholders with Penn National might save as much as $48 a year, and Auto-Owners policyholders might lower prices by $201 a year.

These estimates are averages for all ages of drivers and types of vehicles and are not factoring in a rate decrease for low credit scores. So the insurer that fits your age and vehicle best may not even be featured in the list of companies above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

When shopping for the cheapest auto insurance for bad credit, one of the many components that influence auto insurance rates is your address in Pennsylvania. Areas that are densely populated or have higher claim frequency like Philadelphia, Chester, and Norristown likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The illustration below displays the more expensive cities in Pennsylvania for low credit scores to buy an auto insurance policy in.

Information shown are estimated as the specific geographic location can alter prices noticeably.

Rate increases following a ticket or accident

The recommended way to get affordable car insurance premiums in Pennsylvania for bad credit is to be a cautious driver and avoid getting tickets or having accidents. The information below illustrates how traffic citations and accidents influence annual premium costs for each different age category. The premiums assume a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3551,3817,4559],[‘Age 30’, 1837,2105,2845],[‘Age 40’, 1807,2073,2819],[‘Age 50’, 1649,1917,2661],[‘Age 60’, 1601,1867,2613],[‘Age 70’, 1977,2245,2989]]);var options = {title: ‘Impact of Tickets and Claims on Pennsylvania Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of car insurance in Pennsylvania per year with no accidents or violations is $2,070. Get written up for one speeding ticket and the average cost rises to $2,337, an increase of $267 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for low credit scores increases to an average of $3,081. That’s an increase of $1,011, or $84 per month, just for not driving attentively!

Finding a high-quality auto insurance provider can be a challenge considering how many choices there are in Pennsylvania. The company information in the lists below can help you decide which providers you want to consider when comparing rate quotes.

The ratings below are only made up of the largest companies in America, so companies with more of a regional focus are not taken into consideration for the list. If you wish to compare rates from these top-rated insurers and more, just click here.

Top 10 Major Auto Insurance Companies in Pennsylvania Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. GEICO
6. USAA
7. Erie Insurance
8. State Farm
9. Travelers
10. Farmers Insurance

Top 10 Major Auto Insurance Companies in Pennsylvania Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. Erie Insurance – 87%
8. State Farm – 87%
9. Travelers – 87%
10. Safeco Insurance – 86%

How to find economical car insurance for low credit scores

Below you’ll find many penny-pinching suggestions that can help you get the cheapest auto insurance.

• Raise deductibles
• Ensure your driving record is clean
• Vehicles with good safety ratings are usually cheaper to insure
• Avoid having at-fault accidents
• Good credit can help you save money
• Do not pay for full coverage if not needed
• Compare price quotes at least once a year

The last idea is certainly valuable, as was stressed in the article above. Coverage prices fluctuate constantly, so don’t be unwilling to change to a new company if a lower-cost policy is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that inflexibility results in costing you major coinage every year. Take a few minutes and shop around to find cheaper car insurance for low credit scores.

Cheap insurance quotes for bad credit

Consumers have many ways to quote car insurance rates in Pennsylvania, but the most popular ways are from an exlusive agent such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or direct either online or via phone.

Each way has the same basic steps, but each is different in how they price policies.

Independent insurance agents can place your business with multiple companies and can get policy pricing from all of them. Agents of this type are able to get prices from more than one company, which may provide you with a better chance of finding cheaper coverage. If the agent locates a cheaper price, your policy can be moved which is easy for the insured.

An agent who is captive is usually just provide rates from a single company, two examples are a State Farm or Liberty Mutual agent. Exclusive agents generally are unable to quote prices from more than a single company, so you will not be able to compare their rates to other companies.

Car insurance from a direct company means you skip the middleman (the agent) and buy buying direct from a company like Geico or Progressive. Shopping direct may be preferred by consumers who do not need advice for asset protection and know what limits they need.

Which method is best to find the cheapest auto insurance for low credit scores in Pennsylvania? Most people assume that buying from a direct car insurance company results in the cheapest price since there is no middleman, but unfortunately, that is not the case. It would also be easy to say an independent agency guarantees the best prices due to increased selection, but again, that’s not a true statement. For the right applicant, exclusive agencies have extremely competitive rates that are the cheapest in Pennsylvania.

Since car insurance rates vary so much, the best way to buy the cheapest coverage is to do a thorough rate comparison. The best approach is to get rate quotes from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.