How Auto Insurance Rates are Calculated

Sunday, September 20th, 2009 at 9:56 pm

I recently got divorced from my husband and bumped off of our auto insurance plan. I was wondering if you could explain how auto insurance in Pennsylvania works, and how the rates are calculated. I’m in a bit low on cash from the divorce, so the more I can save, the better.

Mollie,
Harrisburg, PA

Mollie,
There are a handful of factors that are used to determine what your Pennsylvania auto insurance rate might be. As a female, you automatically qualify for a lower rate then males do. Being above the age of 25 will help lower your rate as well. Although neither of those factors are really under a customers control, there are many additional things you can do or avoid doing to help lower your rate. A clean driving record matters. People who avoid speeding tickets, traffic violations, and traffic accidents get cheaper auto insurance in Pennsylvania. Location plays a role in your quote, as urban environments provide more opportunities for accidents then rural areas. Lastly, the type of car you drive impacts the quote. If you have an expensive car, it will cost a lot more to replace expensive parts, and if your automobile type is more commonly stolen, the insurer will have to expect a greater chance of that happening to you.
All of these factors are taken into account when you are seeking auto insurance in Pennsylvania, but the best and last thing you can do is go to a website that will compare quotes from multiple insurers. With such a site, you can be sure you’re getting the best insurance rate in Pennsylvania available to you. You can see and compare quotes for yourself by clicking the banner at the top of this page. Good luck!

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