Girard Auto Insurance Rates, Quotes, Agents & Reviews in PA

Girard, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Girard, 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.

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Factors that can influence the cost of car insurance in Girard, 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.

Girard, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Girard, PA with that of other cities in and around Girard.

Girard Albion Cranesville Avonia Conneaut Elk Creek
Average Insurance Rates $1,393 $1,376 $1,368 $1,455 $1,392 $1,411

Girard, 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 Girard, 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)
Girard $1,622 $1,370
Platea $1,343 $1,134
Avonia $1,376 $1,162
Cranesville $1,073 $907
Albion $1,597 $1,349
Elk Creek $1,056 $892
Conneaut $2,152 $1,817
McKean $1,659 $1,402

Girard, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Girard, 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
Teens $4,520
20 Years $1,790
30 Years $1,379
40 Years $1,326
50 Years $1,228
60 Years $1,245
70 Years $1,450

Girard, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Girard, 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
2 Vehicles $2,396 $390
3 Vehicles $3,594 $585
4 Vehicles $4,792 $780

Savings on 2 Vehicles bundle:$390

Savings on 3 Vehicles bundle:$585

Savings on 4 Vehicles bundle:$780

Girard, 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 Girard, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Girard $1,393 $2,193
Platea $1,401 $2,205
Avonia $1,455 $2,290
Cranesville $1,368 $2,153
Albion $1,376 $2,166
Elk Creek $1,411 $2,221
Conneaut $1,392 $2,191
McKean $1,435 $2,259

Girard, 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
Exceptional (800-850) $1,195
Excellent (740-799) $1,364
Good (670-739) $1,452
Average (580-669) $1,894
Poor (300-579) $2,272

Girard, 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
Chris Hobbs State Farm 4546 W Ridge Rd, Erie, 16506-1436 814-836-7717
Larry N Montefiori Nationwide 1061 W 26Th St, Erie, 16508-1515 (814) 453-6235
Snyder Financial Services Inc Travelers 7782 W RIDGE RD SUITE 100, FAIRVIEW, 16415 814-474-4812
Ea-C R Traut Agency Travelers 426 RICE AVENUE, GIRARD, 16417 814-774-3443
Michelle Toth State Farm 7388 W Ridge Rd, Fairview, 16415-1168 814-474-2661
Wagner Giblin Ins Agcy Travelers 3928 AVONIA RD, FAIRVIEW, 16415 814-474-5575

Girard, 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 +$61 $1,454
Driver's Failure In Showing Documents +$135 $1,528
Driving With An Expired Registration +$143 $1,536
Driving At A Considerably Slow Pace +$302 $1,695
Using A Cellphone While Driving +$319 $1,712
Running A Red Light +$325 $1,718
Speeding +$341 $1,734
Driving A Vehicle Without The Required Permission +$433 $1,826
Driving With An Expired/Suspended License +$939 $2,332

Girard, 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
Audible Alarm $1,337
Active Disabling Device $1,337
Tracking Device $1,309
Passive Disabling Device $1,295