This would be a much quicker read if we could simply give you the name of the one best car insurance company that has the most affordable insurance in Pennsylvania. It’s not that simple, unfortunately, as there are many unknown elements like your age, the deductible level you need, how much you actually drive in a year, and if you own a home, that all impact the price you pay. We are going to cover the best ways to avoid paying too much and will hopefully give you some help in finding cheaper rates.
One of the many criteria that are used to help calculate car insurance rates is where you live. Areas with a lot of weather claims or more people tend to pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The next table shows the most costly cities in Pennsylvania for teachers to purchase auto insurance in. Philadelphia shows up at #1 with an annual premium of $1,977 on average, which is approximately $165 each month.
|Rank||City||Premium Per Year|
|9||Municipality of Monr||$1,091|
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Rates are estimated as the specific Philadelphia residence address can decrease or increase premium rates noticeably.
The vehicle you are buying coverage for is a large consideration when looking for the lowest-priced insurance for teachers. Vehicles with higher performance, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The table below features auto insurance rates for the most budget-friendly vehicles to insure in Pennsylvania.
|Vehicle||Estimated Cost for Full Coverage|
|Dodge Grand Caravan SE||$4,876|
|Ford Escape XLS 2WD||$4,985|
|Honda CR-V EX 4WD||$5,094|
|Toyota RAV4 2WD||$5,146|
|Ford Explorer Limited AWD||$5,245|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$5,326|
|Honda Accord LX 4-Dr Sedan||$5,340|
|Chevrolet Silverado LS Regular Cab 4WD||$5,477|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$5,511|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$5,709|
|Chevrolet Impala LS||$5,785|
|Kia Optima EX||$5,885|
|Jeep Grand Cherokee Laredo 2WD||$5,894|
|Chevrolet Malibu Hybrid||$5,902|
|Ford F-150 Lariat Super Cab 4WD||$6,008|
|Toyota Corolla XLE||$6,202|
|Hyundai Elantra GLS 4-Dr Sedan||$6,208|
|Honda Odyssey EX-L W/Navigation||$6,202|
|GMC Sierra 2500HD SLT Crew Cab 2WD||$6,254|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in zip code location which can impact premiums considerably.
By looking at the data, you can presume that models like the Dodge Grand Caravan, Ford Escape, Honda CR-V, and Toyota RAV4 will definitely be a few of the most economical vehicles to insure for teachers and educators.
Insurance rate increases from tickets or accidents
The common sense way to snag low auto insurance rates in Philadelphia for teachers and educators is to be an attentive driver and not have accidents or get tickets. The illustration below illustrates how speeding tickets and at-fault claims can impact insurance premiums for different categories of driver ages. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of an auto insurance policy per year with no violations or accidents is $2,528. Add in one speeding ticket and the average cost hikes up to $2,848, an increase of $320 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for teachers goes up to an average of $3,763. That’s an increase of $1,235, or $103 per month, just for not driving carefully!
Discount Philadelphia auto insurance rates
Insurance providers that provide coverage for teachers may also give you special discounts that can reduce rates by 35% or more if you meet specific criteria. A list of companies and a summarized list of policyholder discounts are:
- Esurance discounts include Switch & Save, emergency road assistance, DriveSense, renters, multi-car, safety device, and anti-theft.
- The Hartford includes discounts for bundle, air bag, defensive driver, anti-theft, vehicle fuel type, and good student.
- AAA may offer discounts for good driver, multi-policy, multi-car, good student, education and occupation, AAA membership discount, and anti-theft.
- GEICO policyholders can earn discounts including federal employee, multi-vehicle, seat belt use, military active duty, membership and employees, anti-theft, and emergency military deployment.
- State Farm may include discounts for accident-free, defensive driving training, good student, student away at school, passive restraint, Drive Safe & Save, and safe vehicle.
The chart below visualizes the comparison of insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no violations or accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, defensive driving course, accident-free, anti-theft, homeowner, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for teachers is 28% or $548.
You are probably paying too much for car insurance
Pennsylvania auto insurance rates are influenced by many factors that can increase the cost of your policy. Simply improving your credit, increasing deductibles, or getting a speeding ticket may cause policy rate changes that can now make some companies more affordable than others. Additionally, insurers change prices as needed to reflect underwriting profits or losses. An unexpected high level of claims can cause a rate increase, while a lower level of claims can result in cheaper Philadelphia car insurance rates.
For example, the graph below shows the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with no prior claims, no tickets, and a good credit rating. If we estimate rates based on his current risk profile, General Casualty offers the most affordable car insurance rates in Philadelphia at $1,718 per year. This is $61 more than the average premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National also make the list of the cheapest Philadelphia, PA auto insurance companies.
Now we will give the driver from the first set of rates a chargeable claim, a lower credit rating, and a stop sign violation. Due to the fact that every insurance company uses a different method for filing rates in each state, getting updated rate quotes may now result in a completely different list of the cheapest car insurance companies in Philadelphia as shown below.
Auto-Owners now has the cheapest rate in Philadelphia, PA with Atlantic States, Travelers, Donegal Mutual, and USAA now rounding out the top five. This example shows why consumers need to perform an extensive rate comparison when trying to get the cheapest auto insurance quotes for teachers.
Prices consist of many risk factors and can change without notice, so the cheapest option the last time you checked may now not even be in the top five.
How to find economical car insurance for teachers
Below you’ll find some money-saving ideas that can help you buy more affordable coverage.
- Avoid at-fault accidents and claims
- Good credit can help you save money
- Pay for small claims rather than turning them in to your insurance company
- The safer your car, the less it costs to insure
- Violations and traffic tickets increase rates
- Compare rate quotes often
The last idea is highly vital, as was emphasized in this article. Car insurance rates fluctuate constantly, so don’t be hesitant to buy a policy from a new company if a better deal can be had.
Staying with the same car insurance company is fine, but it’s not a great idea if that dedication is costing big bucks every year. In just a couple of minutes you could shop around to find cheaper auto insurance for teachers in Philadelphia.
If you have questions and prefer to get some professional advice when buying car insurance for teachers, the agents below can most likely answer your questions and help you decide which coverages are best. To find a Philadelphia insurance agency close to you, click the button after the list.
First Rate Insurance
7790 Rockwell Ave Suite 1 – Philadelphia, PA 19111 – (215) 725-6700
Paul Hoffman – State Farm Insurance Agent
2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737
Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923
Michael DeCarlo – State Farm Insurance Agent
326 S 19th St Ste 2 – Philadelphia, PA 19103 – (215) 772-0100