Where can I find cheap auto insurance in Pennsylvania with a bad driving record?
If you have had accidents, tickets, claims, DUI's etc. you might think it's impossible to find an affordable auto insurance rate. However, I have found several auto insurance companies in PA that go easy on drivers with dings on their driving record. Finding affordable PA auto insurance is doable, you just need to look a little farther.
Where should I start looking for the lowest rate?
Trying to get an auto insurance quote from each auto insurance company at a time is not efficient. It is much easier for you to simply get a quote with an independent agent particularly one who specializes in high-risk insurance. That makes it much more efficient for you as a consumer. It's much easier to simply let an agent do the shopping around for you. That way, you're saving a lot of time.
Why do I seem to be penalized more in auto insurance premium for having a bad driving record, compared to other states?
Without getting into a long explanation, it basically boils down to not having as many companies in PA that go easy on drivers with marks on their driving record (aka "high risk drivers"). Why is that? .... Two reasons:
Thankfully, not all of the auto insurance companies that are high risk friendly have jumped ship. You can still find a decent rate out there if you simply shop around.
What else can I do to keep premiums low?
Once something goes on your driving record, there's not much in your control beyond your control as far as your record is concerned (other than letting time pass). But you can lower the auto insurance coverage you have:
Raise the deductibles on comprehensive and collision coverage.
Drop added optional coverages such as roadside assistance and rental reimbursement.
Trade your vehicle in for an older, less expensive vehicle that doesn't need comprehensive and collision coverage.
**** Warning: By lowering coverages above, you are simply reducing coverage on a controlled basis. By controlled basis, I mean that you know the impact in dollars of what an accident will cost you out of pocket. Lowering this part of your coverage is ok. BUT......
What you DO NOT want to do is drop or lower coverages where the added risk is unknown in terms of dollars. This includes:
Both of those are BAD IDEAS! Because in a serious auto accident, you have no clue what the cost of injuries will be. Therefore, it is an un-controlled risk.
If you would like to get an auto insurance quote with my agency, simply click on the link below. I will run your information through my companies and find you the company with the best rate. And as always, I handle all quotes personally and privately.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..