Altoona, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Altoona, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Altoona, PA's Lowest Auto Insurance Cost
In Altoona, PA, the average cost of vehicle insurance is $1091. Auto insurance premiums vary greatly depending on individual rating variables, which Zimlon delves into further below. The cheapest form of auto insurance a person can have depends on their age and location when obtaining it, as well as other criteria imposed by state law or any firm they may be purchasing from with a range of rates.
Examine the factors and discounts accessible in Altoona in the table below.
Costs for Multi-Car Insurance
Altoona car owners might save money on insurance by purchasing multiple policies from the same company. Bundled rates are less expensive because your policies and claims are handled by one firm rather than many organisations. The following are some examples of average savings:
Based on the driver's age
Teenagers and young drivers have higher insurance rates because they are perceived as more careless behind the wheel. In Altoona, minors pay $3540 on average for auto insurance, compared to $1080 and $1039 for older persons 30-40 years old. Car owners in Altoona can save money on their insurance by comparing age-based policies and taking advantage of discounts such as the good student/driver discount or defensive driving.
Depending on your credit score
Car insurance may be less expensive for those with good credit and a clean driving record. According to Zimlon's research, if you are a "excellent" driver with a score of 800 or higher, your average annual premium in Altoona is $936; however, if you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, your premiums will shoot up to $1137. In other words, car owners with good credit pay less than the average insurance cost, and car owners with bad credit spend up to $1780 in premiums.
Based on security features
Cars with safety features not only safeguard the vehicle and its occupants, but they can also save money. Car insurance firms will offer discounts to road safety advocates who install as many safety features as possible on their vehicles. Depending on the type or amount of protective features installed, cost savings will vary. According to Zimlon's research, automobile owners in Altoona can save $1015 on auto insurance by installing passive disabling devices. In Altoona, installing features such as an audible alarm or an active disabling device can lower insurance prices to $1047. The average cost of insurance for cars equipped with active tracking systems is $1026.
Factors that can influence the cost of car insurance in Altoona, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Altoona, PA Auto Insurance Rates
- Altoona, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Altoona, PA
- Multi Vehicle Insurance Savings in Altoona, PA
- How Credit Score Affects Car Insurance Rates in Altoona, PA
- How DUI Affects Auto Insurance Premiums in Altoona, PA
- Top Auto Insurance Agents Near Altoona, PA
- How Driving Violations Affect Auto Insurance Rates in Altoona, PA
- Altoona, PA Auto Insurance Discounts on Anti Theft Feature
- Altoona, PA Auto Insurance Company Reviews
Altoona, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Altoona, PA with that of other cities in and around Altoona.
|Average Insurance Rates||$1,091||$1,414||$1,370||$1,395||$1,393||$1,382|
Altoona, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Altoona, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Altoona, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Altoona, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Altoona, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Altoona, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$305
Savings on 3 Vehicles bundle:$458
Savings on 4 Vehicles bundle:$611
Altoona, PA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Altoona, PA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Altoona, PA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Altoona, PA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Leonard Insurance Agency||Travelers||1005 GRAY LN, DUNCANSVILLE, 16635||814-696-0200|
|Mountain Financial Group Llc||Travelers||723 PUZZLETOWN RD, DUNCANSVILLE, 16635||814-695-4381|
|Warren A. Gingrich Agency, Inc.||None||9 Logan Blvd, Altoona, 16602||None|
|Joshua Gibson||Allstate||1381 Plank Rd Ste 105, Duncansville, 16635||(814) 977-3200|
|Marcy Clapper||Farmers||414 Allegheny St Ste 1, Hollidaysburg, 16648||(814) 317-5068|
|Tammy V Watt||Nationwide||710 Scalp Ave, Johnstown, 15904||(814) 322-1558|
|Gary D Shetter Jr Lutcf||Nationwide||305 Union Ave, Altoona, 16602||(814) 944-4651|
|Muir-Hershberger Insurance Agency||Erie||178 Ligonier Street, New Florence, 15944||None|
|Indiana Insurance||Travelers||ROSE STREET FINANCIAL SERVICES 823 ROSE ST, INDIANA, 15701||724-349-8780|
Altoona, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$48||$1,139|
|Driver's Failure In Showing Documents||+$106||$1,197|
|Driving With An Expired Registration||+$112||$1,203|
|Driving At A Considerably Slow Pace||+$237||$1,328|
|Using A Cellphone While Driving||+$250||$1,341|
|Running A Red Light||+$254||$1,345|
|Driving A Vehicle Without The Required Permission||+$339||$1,430|
|Driving With An Expired/Suspended License||+$735||$1,826|
Altoona, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,047|
|Passive Disabling Device||$1,015|
Latest Auto Insurance Reviews in Altoona, PA | Back to Top
My insurance policy offerings are the same or better than other companies.
Nationwide's prices are competitive with other insurance companies. We get a discount on car insurance because of the homeowners policy. We get a good student discount for my college aged daughter.
The premium and deductible of my policy compared to other car insurance companies, is very good. I get more for my money with this insurance company than others.