For drivers with handicaps, one of the more important things that help determine the price you pay for insurance is where your residence is. Areas with more people or even just a higher incidence of claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.
The illustration below ranks the highest-priced areas in Pennsylvania for handicapped drivers to buy an auto insurance policy in. Philadelphia ranks #1 with the annual price of $1,997 for coverage, which is approximately $166 each month.
|7||Municipality of Monr||$1,091|
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Rate information is estimated as the specific geographic location can raise or lower auto insurance rates greatly.
Finding out which companies have the most affordable auto insurance rates for handicapped drivers will involve a bit more work in order to find the best price. Every insurance provider has a unique approach for filing rates in each state, so we’ll take a look at the auto insurance companies that tend to have lower prices in Pennsylvania.
We do need to point out that Philadelphia auto insurance rates are influenced by many factors that control the price you pay. Improving your credit score, becoming a homeowner, or getting a ticket for careless driving can trigger rate changes that can now make some companies affordable when they were higher priced.
Find the Best Cheap Insurance in Pennsylvania
General Casualty may have some of the cheapest car insurance rates in Philadelphia at around $748 annually. USAA, Travelers, Erie, and Penn National also make the cut as some of the cheapest Philadelphia, PA auto insurance companies.
As shown in the table above, if you currently have coverage with Erie and switched to USAA, you might realize annual savings of in the vicinity of $15. Drivers with Penn National might save as much as $31 a year, and Amica policyholders might cut rates by $197 a year.
Be aware that those prices are averaged for all ages of drivers and types of vehicles and and are not figured with a vehicle location for handicapped drivers. So the auto insurance company that can offer you the lowest price may not even be in the top 30 companies shown above. That point stresses why you need to get car insurance quotes using your own driver and vehicle profiles.
The car, truck, or SUV you are buying coverage for is one of the largest factors that determines if you can find economical insurance for handicapped drivers. Vehicles with higher performance, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models.
The information below shows insurance rates for the cheapest vehicles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$4,419|
|Honda CR-V EX 2WD||$4,455|
|Ford F-150 XL Crew Cab 4WD||$4,641|
|Honda Civic DX 4-Dr Sedan||$4,719|
|Volkswagen Jetta SE 2.5 Station Wagon||$4,773|
|Toyota RAV4 Limited 4WD||$4,810|
|Hyundai Elantra SE Touring Station Wagon||$4,969|
|Ford Explorer XLT AWD||$4,987|
|Chevrolet Impala LTZ||$5,073|
|Ford Edge Limited AWD||$5,082|
|Hyundai Sonata GLS 4-Dr Sedan||$5,160|
|Nissan Rogue S 2WD||$5,170|
|Chevrolet Malibu LTZ||$5,164|
|Chevrolet Equinox LTZ AWD||$5,172|
|Toyota Corolla XRS||$5,164|
|Honda Odyssey EX W/Rear Entertainment||$5,173|
|Ford Focus S 4-Dr Sedan||$5,181|
|Chevrolet Silverado LS Regular Cab 2WD||$5,246|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$5,382|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can change premiums greatly.
By looking at the data, you can conclude that cars like the Ford Escape, Honda CR-V, Ford F-150, Honda Civic, and Volkswagen Jetta will be the most affordable vehicles to insure for drivers with handicaps.
Choosing a good quality auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Pennsylvania. The ranking data in the next section could help you select which car insurance companies you want to consider when shopping car insurance rates for handicapped drivers.
These ratings are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in these rankings. To compare rates from many more Pennsylvania auto insurance companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Philadelphia car insurance
Auto insurance companies that offer quotes for handicapped drivers may have policy discounts that may potentially lower prices by 35% or more if you can meet the requirements. A list of companies and their possible discounts are shown below.
- State Farm may offer discounts for multiple autos, multiple policy, student away at school, anti-theft, and good student.
- GEICO discounts include anti-lock brakes, military active duty, membership and employees, good student, anti-theft, seat belt use, and federal employee.
- SAFECO may include discounts for anti-lock brakes, bundle discounts, safe driver, anti-theft, and homeowner.
- Farmers Insurance has discounts for early shopping, mature driver, switch companies, youthful driver, teen driver, and good student.
- AAA offers discounts including pay-in-full, AAA membership discount, education and occupation, anti-theft, multi-car, and multi-policy.
- USAA policyholders can earn discounts including good student, driver training, new vehicle, military installation, defensive driver, and multi-vehicle.
The example below shows the comparison of car insurance rates with and without discounts applied to the rates. The data is based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, safe-driver, multiple policy, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for handicapped drivers is 28% or $517.
Comparison of full coverage and liability-only policies
Saving money when shopping for auto insurance should be important to the majority of drivers, and one of the quickest ways to find cheap insurance for handicapped drivers is to buy only liability coverage. The example below illustrates the comparison of yearly insurance costs with and without full coverage. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.
Averaged for all age groups, physical damage coverage on your policy costs $1,844 per year over and above liability coverage. That is a significant amount which raises the question if you should buy full coverage. There is no specific rule that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your vehicle’s claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If it’s costing in excess of $200 a year for your policy with full coverage, then it could be time to drop full coverage.
The importance of comparing Philadelphia car insurance rates
Philadelphia, PA auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply turning a year older, filing a claim, or getting caught speeding can trigger rate changes resulting in some rates now being cheaper than before.
Also, insurance companies modify pricing as often as every quarter to adjust for gains or losses. An extended period of higher than normal claims can result in higher priced premiums, while profitable underwriting can cause more affordable Philadelphia car insurance rates.
To illustrate this example, the bar chart below analyzes the cheapest car insurance in Philadelphia, PA for a 35-year-old male driver with no accidents or violations, and good financial standing. Based on his current situation, General Casualty may have the cheapest car insurance rates in Philadelphia at $1,633 annually. This is $24 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National are the rest of the most affordable Philadelphia, PA auto insurance companies.
Now let’s give the driver in the first chart some claims, a little lower credit rating, and a stop sign violation. Since each insurance company has a different formula for setting prices, comparing prices could result in a substantially altered list of affordable Philadelphia car insurance companies as shown below.
Auto-Owners now has the best price in Philadelphia with Atlantic States, Donegal Mutual, USAA, and Allied now rounding out the top five. This demonstrates why Philadelphia drivers need to shop around with many companies to get affordable car insurance quotes for handicapped drivers. Prices can be determined by many risk factors and change dramatically, so the cheapest rate a year ago may now be an over-priced policy.