Lyles Insurance
  • Home - Lyles Insurance
  • About Us
  • Contact Us
  • Blog
  • Request A Quote

Where can I find cheap auto insurance in Pennsylvania with a bad driving record?

11/13/2013

0 Comments

 
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:
  • PA is a no-fault state. Many auto insurance companies who go easy on high risk drivers tend to stay away from states that are no-fault because of high medical claims. There are only 12 no-fault states and PA is one of them.
  • PA is also one of only 8 states that do not have SR22 filings. Companies that go easy on violations tend to follow states that do have SR22's because the market is more competitive.
     
      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:
  • Lowering liability coverage down to a lesser amount than you currently have.
  • Lowering, or dropping uninsured motorist coverage.
    
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.



Get a Pennsylvania auto insurance quote with Lyles Insurance


​Call me for a Quote



Related Blog Articles:

PA Auto Insurance: Stacked vs. Unstacked Uninsured Motorist Coverage FAQ’s
0 Comments



Leave a Reply.

    Picture

    Author

    Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..

    Archives

    March 2021
    November 2020
    September 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    October 2019
    September 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    March 2018
    February 2018
    December 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    October 2015
    August 2015
    December 2014
    November 2014
    October 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    December 2012
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    May 2012
    April 2012
    March 2012
    December 2011

    Categories

    All
    Things You Must Know When Buying Snowmobile Insurance In Michigan

    RSS Feed

Lyles Insurance copyright 2020
  • Home - Lyles Insurance
  • About Us
  • Contact Us
  • Blog
  • Request A Quote