If you're looking for cheap car insurance in Ohioville, Pennsylvania, you have several options. First, you can check out the demographics of the city. You can also find out which industries are in Ohioville, PA. Next, you should check out the different coverage types. Uninsured/underinsured motorist coverage, liability insurance, and more.
Demographics of Ohioville, PA
In 2020, the median income of Ohioville, PA residents was $69,929. This was higher than the United States average of $64,994. This was a decline from the previous year, but it is still higher than the national average. In addition, a high percentage of residents were US citizens, with 99.8% of the population being US citizens. In addition, the percentage of foreign-born residents in Ohioville, PA was lower than the national average, at 1.29%.
The median property value in Ohioville, PA is $155,200 in 2020. This is higher than the national average, but it is still less than the average home value. The homeownership rate was 78.9% in 2020. Residents commuted an average of 30 minutes to work. The average number of cars per household was two.
The median age in Ohioville, PA was 40.9, with native-born citizens aged 41 and foreign-born citizens aged 54. The average age in 2020 was 45 years old. The most common foreign-born countries were the Dominican Republic, China, and India. The median household size was 2.70, and the average family size was 3.04.
The highest rates for insurance coverage were found in ZIP codes with a higher percentage of non-white residents. Similarly, those in areas with a low percentage of white residents paid about $130 more than those in other white ZIP codes. These findings are surprising and warrant further analysis by state insurance regulators. Furthermore, insurance companies should increase the weight given to an individual's accident history, and lessen the effect of living in a specific ZIP code on premiums.
Industry in Ohioville, PA
In Beaver County, Pennsylvania, near the Ohio River, lies the borough of Industry. The population of this small borough, which is located along the river, is approximately 1,833 as of the 2020 census. This is a great place to live or to visit for a weekend getaway. You'll find a nice array of restaurants, bars, and other amenities in this community.
The median property value in Ohioville, PA is $155,200, which is slightly less than the national average. Nevertheless, the homeownership rate in Ohioville, PA is 78.9%, which is higher than the national average. Ohioville, PA residents have an average commute time of 30 minutes. The median number of cars per household is two.
The most popular means of transportation in Ohioville, PA is by car. The borough is home to four major automobile companies. A few of them are located in the city. The majority of workers in Ohioville commute by car. However, some work from home. In 2020, the borough is projected to lose 4.4 percent of its workforce.
The majority of residents in Ohioville, PA are US citizens. This number is slightly higher than the national average of 93.4%. The next largest ethnic group is Two+ (Hispanic), followed by One or More (White). Interestingly, the percentage of people born outside the United States decreased from 1.29% in 2019 to 1.27% in 2020.
The main road through the township is Pennsylvania Route 168, which leads south into Midland and then north to New Galilee. Additionally, Pennsylvania Route 68 runs along the Ohio River in the south part of the borough, connecting Midland and Glasgow. To the east, the borough borders South Beaver Township and Glasgow, while a small section is in St. Clair Township.
You can choose from two types of liability insurance coverage when getting car insurance in Ohioville, PA. Liability insurance will compensate you for damages you cause to others, including their property and medical bills. You can also choose limited tort coverage, which compensates you for medical costs regardless of who is at fault. However, limited tort coverage limits your ability to sue the other driver if you are at fault in an accident.
The state of Pennsylvania has a long automotive history. It's home to the Pocono Raceway, which hosts NASCAR and IndyCar races. Drivers in Pennsylvania are often reckless, so it's important to follow the speed limit. Keeping your car insured is an excellent way to keep it in good condition and avoid accidents.
In Pennsylvania, you must carry at least liability insurance coverage to drive on the road. You can provide proof of this coverage through an insurance ID card, a mobile device, or a copy of your insurance policy. In Ohioville, PA, the minimum amount of liability coverage is 15/30/5, which is $15,000 per person, $30000 per accident, and $5,000 for property damage. However, many insurance experts recommend a higher liability insurance limit.
If you drive a lot, you should try to find an insurance policy with low rates. In Pennsylvania, you can also shop around for the best policy. Some insurers offer great discounts for drivers with clean records. Some offer discounts based on age, so try to find the best rate for your age. Another way to save money on your insurance is to get a good credit score. Your credit score is important to insurance companies because it influences your risk. Getting a DUI or accident will raise your rates. So, drive safely and carefully to keep your rates low.
There are two main types of liability insurance for Ohioville Pennsylvania car insurance: full tort and limited tort. If you are not sure which one is right for you, try asking your insurance representative about the different types of coverage and costs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured car insurance coverage is a great way to protect you and your passengers when another driver is not properly insured. This type of coverage will help pay for medical costs and property damage if the other driver is not insured. The cost of this coverage depends on the type of policy you choose, but it is generally not prohibitively expensive.
In Pennsylvania, you can also opt for usage-based insurance through companies such as Geico and Esurance. This option gives drivers with good credit a chance to get lower premiums. Some companies even give out free wireless devices to track mileage. These programs are great for drivers who rarely travel more than fifteen thousand miles per year, but who still need to insure their vehicles. In addition, gender also has an impact on car insurance premiums, and it is worth shopping around for a lower premium.
While it may seem like an unnecessary cost, uninsured/underinsured motorist cover can help protect you if you have been involved in a collision with an uninsured driver. While this coverage will not pay for the damages done to your property, it will pay for your medical bills in the case of an accident. Make sure to select an amount equal to your liability limits when purchasing this type of coverage.
Your driving record is also a key factor for insurers. Any DUIs or at-fault accidents could result in increased premium rates. You should know your Pennsylvania automotive laws before making any changes to your policy. You should also consider any safety features that may benefit your car. Daytime running lights, anti-theft devices and anti-lock brakes can all lower your premiums.
Pennsylvania car insurance laws require that you purchase at least liability insurance coverage. This coverage is the least expensive option but it can save you thousands of dollars. It is also important to remember that uninsured/underinsured motorist coverage is optional and is not required by law. However, it is wise to purchase this type of coverage if you are at risk of being involved in a collision.
As with any other type of car insurance, you should always compare the cost between policies. If you have a clean driving record and are not at fault for an accident, you should shop around for a better rate. By taking advantage of the free market, you can get cheaper premiums without sacrificing the coverage.