When you’re searching for the cheapest car insurance in PA, you might feel overwhelmed with all the options, especially since there are so many companies available. The entire car insurance shopping experience doesn’t need to be daunting as long as you do plenty of research and practice safe driving habits.
Inexpensive Pennsylvania Car Insurance Companies in 2021
You might not always think about car insurance, but having quality insurance can protect you from certain situations you might encounter whenever you’re on the road. As long as you know where to look for insurance, you can find some of the cheapest prices from reputable companies in Pennsylvania.
If you get into an accident, whether it’s your fault or not, MoneyGeek states that it’s important to have insurance from a company you can trust. That way the insurer can assist you with navigating through those difficult and stressful instances.
Once you begin looking for affordable auto insurance in Pennsylvania, take some time to search through some of the country’s most popular companies. Although coverage from these premiere establishments depends upon several factors, you can use their averages as a guide.
When you begin your inexpensive car insurance search, make sure to examine the type of coverage needed. From there, you can use that information to obtain free car insurance quotes from several insurers.
Locating the most affordable car insurance prices in Pennsylvania demands that you compare specialized quotes from several companies. These are the top five Pennsylvania companies and their average yearly car insurance amounts, based on the state’s average driver carrying a collision and comprehensive policy:
- USAA: $991.
- Erie: $1,328.
- Travelers: $1,330.
- GEICO: $1,344.
- State Farm: $1,370.
Although these prices are the typical costs that you would pay as a Pennsylvania driver, it’s important to remember that each driver and situation is different. Car insurance companies use different factors when setting prices, so even if one company is cheaper for you, it might not be the best option for other family members. Some of the criteria that companies take into account include age, gender, type of vehicle driven, credit score, location, and driving record.
Cheapest Pennsylvania Car Insurance for Drivers with a DUI
According to the Centers for Disease Control and Prevention (CDC), one in three U.S. traffic deaths involves a drunk driver. Between 2009 and 2018, 3,687 people in Pennsylvania were killed as a result of alcohol-related crashes. Also, in a survey conducted by the CDC, 1.8% of adults in Pennsylvania admitted to driving after drinking too much.
You might wonder how you can obtain the cheapest car insurance in Pennsylvania if you don’t have a spotless record, such as a citation for driving under the influence (DUI). It’s important to note that if you drive under the influence, you not only carry a severe risk for your life but for others on the road. Because of this increased risk, some companies might hesitate to take you on as a customer.
The legal ramifications of getting a DUI in Pennsylvania depend upon the driver’s blood alcohol content (BAC). Keep in mind that it is illegal to drive if you have a BAC of .08 percent or higher.
If you are found to have a BAC of .08 percent or higher and are a first-time offender, you can face six months of probation as well as pay a $300 fine. However, you are allowed to keep your driver’s license. If you’re found to have a BAC higher than .10 percent, you can receive a more severe punishment. You might have to serve jail time and experience a suspended license.
If you’ve gotten a DUI in Pennsylvania, take a look at the following estimated annual price for car insurance from five companies:
- USAA: $1,322.
- State Farm: $1,494.
- Allstate: $1,824.
- Erie: $2,031.
- Esurance: $2,501.
As you can see, having a DUI on your record can significantly impact your wallet. In addition to legal and court fees, you should expect to see an increase in your car insurance costs. In certain situations, your car insurance rates could double, as insurance companies might label your coverage as high-risk.
You should note that in Pennsylvania, an insurance company can cancel your policy if your license is suspended. If that happens, you need to search for insurance from another company. This is another instance where you should obtain free quotes from several companies.
If you’re having a difficult time finding car insurance coverage after you have a DUI, take advantage of Pennsylvania’s Assigned Risk Plan. This auto insurance plan makes sure that high-risk drivers have coverage by sharing the risk across several providers.
To qualify for this plan, you must certify that you tried but failed to obtain car insurance in the state within the past 60 days. You must also prove that you were unable to secure rates that do not exceed those found under the plan.
Affordable Pennsylvania Car Insurance with Speeding or Distracted Driving Tickets
Speeding or distracted driving is another factor to consider when looking for the cheapest car insurance in PA. Auto insurance companies categorize speeding and distracted driving as risky behaviors and might increase your insurance rates if you do either one.
One of the worst U.S. states when it comes to distracted driving is Pennsylvania, according to the Insurance Institute for Highway Safety. In 2018, Pennsylvania saw 1,103 crashes that involved distracted driving.
It’s also important to note that in Pennsylvania, no driver can interact with a wireless device, as this is against the law. This means you cannot text, browse the internet, or email while driving. If you’re found to drive distracted in the state, you can face a $50 fine, but the violation doesn’t appear on your driving record. However, if you are involved in a crash while texting, you could face up to two years in jail.
By conducting a little research and adhering to the rules of the road, you can secure the cheapest car insurance rates in Pennsylvania. Make sure to get a few quotes regularly from different car insurance companies to determine that you’re getting the best rates possible. Comparing car insurance rates from some of the state’s top-rated companies can help you save money.
Sources:
https://www.aipso.com/Plan-Sites/Pennsylvania
https://www.moneygeek.com/insurance/auto/cheapest-car-insurance-pennsylvania/
https://www.iihs.org/topics/fatality-statistics/detail/state-by-state
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