Average monthly cost of coverage in Scranton
In Scranton, Pennsylvania, the average monthly cost of car insurance is $1,218 for a Subaru Impreza. Other vehicles that rank highly for car insurance are the Nissan Kicks, Chevrolet Trailblazer, and Honda Passport. If you want to drive a more affordable vehicle, you can consider the Kia K5, Toyota Camry, or Nissan Sentra. They all have good insurance rates, too.
You can find a lower cost car insurance policy by asking for a discount. Some companies will offer a discount to drivers who are military, veterans, or their families. The cost of car insurance also depends on the amount of coverage you need. Many new cars require comprehensive and collision insurance, and most states require that you carry at least liability insurance. However, this won't cover the full cost of damages in an accident, so you'll need to have more coverage. The Insurance Information Institute recommends carrying at least one hundred thousand dollars in liability insurance for each accident and injury. If you're able to afford it, you'll want to consider purchasing uninsured motorist insurance as well.
Insurance costs in Scranton, PA also depend on the type of vehicle you drive and park. An automobile parked in a garage in a secure neighborhood will be less expensive to insure than one parked on the street. If possible, consider installing an alarm system to reduce your risk of theft.
Insurance rates in Scranton vary widely depending on the type of vehicle. A Subaru Legacy will cost around $1,360 per year to insure, while a Kia Stinger will cost $1,656. If you want to drive a sports car, a Mazda MX-5 Miata can be your best bet.
The average commute length in Scranton, Pennsylvania is 27 minutes. While the average commute length nationwide is a bit longer than the national average, Pennsylvania rates aren't far behind. For example, drivers who commute more than 12,000 miles per year will see their rates increase by $300 or more. However, commute times aren't the only factor in determining rates.
A survey conducted by TomTom Traffic Index found that Pennsylvania drivers have a slightly longer commute than the national average. About three percent of Pennsylvania drivers have a "super commute" and seventy percent drive alone. In addition, about three in every eight drivers do not carpool or take public transportation. In fact, three cities in Pennsylvania are listed among the world's most congested cities, according to TomTom. Philadelphia is ranked 125th on the list of most congested cities in terms of traffic. Its overall congestion rate is twenty-two percent, while its daytime congestion rises to forty-five percent.
A commuting mileage of three miles or less is considered "pleasure driving." Ten to fifteen miles is the second-tier surcharge. It increases your premium by eight dollars per month. If you drive more than twenty miles a day, your premium will increase by $10 or more per month.
Pennsylvania drivers are legally required to have liability insurance, which covers the other party's damages in the event of an accident. This coverage can be expensive, as the costs of damage can run into the thousands of dollars. However, liability insurance is not the only type of coverage required by Pennsylvania law. You can also opt for usage-based insurance, which allows you to pay lower monthly rates.
Drivers who have clean driving records and no claims history will benefit from lower car insurance premiums in Pennsylvania. The state also requires insurance companies to offer a defensive driving discount to drivers over 50. These discounts may sound limited, but they can add up to significant savings. You should also keep in mind that Pennsylvania car insurance rates vary by gender, so be sure to ask about these policies when looking for a policy.
Another important factor to consider when looking for car insurance in Scranton, Pennsylvania is your driving record. This can have a huge impact on your annual rate. A clean driving record can lead to lower auto insurance costs, while a criminal record can lead to higher rates. In addition, your credit score has a significant impact on the rate you'll pay for your insurance.
Your age and gender can also affect the cost of your car insurance. If you drive less than 7,000 miles per year, you might qualify for lower rates. However, if you drive more than 15,000 miles per year, you're considered high-mileage and may have to pay more for coverage. Make sure you ask around to find the lowest rates, though. Every insurance company prices its policies differently. And the type of coverage you need will also influence the cost.
Age of driver
Regardless of your gender, your age may affect your car insurance premium. Statistically, men have higher rates than women because of their higher risk of driving a car. Thankfully, Pennsylvania is one of the few states that prohibit insurers from using your gender as a rating factor.
According to the National Association of Insurance Commissioners, Pennsylvania car insurance rates are on the rise. A 16-year-old driver's annual premium is $3,001, compared to $1,414 for a senior. If you're in between those two age ranges, consider getting additional coverage to protect yourself in the event of an accident.
While Pennsylvania requires drivers to have at least a basic liability insurance policy, you can get coverage for less by looking for a company with a lower premium. The state of residence is a factor as well, and insurance rates will be higher in some areas than others. As such, it's important to understand your options before deciding on a policy.
Pennsylvania's minimum liability insurance requirement is $15,000 per accident. Liability insurance pays for your car and others' injuries in an accident. However, there are limits. Pennsylvania requires that drivers carry bodily injury coverage and property damage liability insurance. The maximum bodily injury coverage is $30,000 per accident.
When deciding on a car insurance premium, it's essential to compare different quotes from top insurance companies to find the best rate. You can also save money by using money-saving discounts and usage-based insurance. Many companies will offer a safe-driving discount for a safe driving record, which can reduce your premiums by five to ten percent.
In Scranton, Pennsylvania, full-coverage auto insurance begins at about $100 a month. The cost depends on the type of vehicle you drive and the company you choose. The most affordable vehicles to insure are compacts and midsize pickups, while the most expensive vehicles cost more than $1,500 per year.
If you live in Scranton, Pennsylvania, you should contact an independent auto insurance agency for the best possible rates and coverage. These companies will help you with your auto insurance needs, including personal injury protection, medical payments, uninsured motorist coverage, and more. These companies can also help you get commercial auto insurance.
Another great option in Scranton is YonKondy Insurance Agency, which has been serving the area for over 60 years. The agency provides auto insurance quotes from multiple carriers, as well as advice on how to reduce your risk. Its agents have over 80 years of combined experience, and customer service experts with over thirty years in the industry are ready to help you get the right auto insurance policy for your budget. The company also offers other insurance services, including health plans and home insurance.
Keeping a clean driving record is also an important part of lowering your insurance costs. Having tickets and accidents on your record can make you a high risk driver and raise your premiums. Speeding tickets, at-fault accidents, and DUI convictions can cost you thousands of dollars. In addition, these convictions stay on your record forever in Pennsylvania. Finally, the make and model of the vehicle you drive can also affect your insurance rates. Different cars have different crash statistics and repair costs.
There are many factors that affect the cost of car insurance in Scranton. One of them is the age of the driver. Drivers who are in their twenties or forties can expect to pay a higher premium than drivers who were in their early teens. A good idea is to get a car insurance quote that will provide you with the best coverage for your money.