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

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

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

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

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

Halfmoon Port Matilda Park Forest Village Baileyville Stormstown Patton
Average Insurance Rates $1,536 $1,388 $1,515 $1,415 $1,536 $1,507

Halfmoon, 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 Halfmoon, 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)
Halfmoon $1,804 $1,523
Stormstown $1,286 $1,087
Port Matilda $1,319 $1,114
Baileyville $1,775 $1,499
Ferguson $1,442 $1,218
Ramblewood $1,343 $1,134
Park Forest Village $1,498 $1,265
Patton $1,783 $1,506

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

Teenagers in Halfmoon, 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 $4,984
20 Years $1,974
30 Years $1,520
40 Years $1,463
50 Years $1,354
60 Years $1,373
70 Years $1,599

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

Car owners in Halfmoon, 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 $2,673 $399
3 Vehicles $4,009 $599
4 Vehicles $5,345 $799

Savings on 2 Vehicles bundle:$399

Savings on 3 Vehicles bundle:$599

Savings on 4 Vehicles bundle:$799

Halfmoon, 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 Halfmoon, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Halfmoon $1,536 $2,418
Stormstown $1,536 $2,418
Port Matilda $1,388 $2,185
Baileyville $1,415 $2,227
Ferguson $1,525 $2,401
Ramblewood $1,458 $2,295
Park Forest Village $1,515 $2,385
Patton $1,507 $2,372

Halfmoon, 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) $1,318
Excellent (740-799) $1,504
Good (670-739) $1,601
Average (580-669) $2,088
Poor (300-579) $2,505

Halfmoon, 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
Liz Dudek State Farm 1464 Martin St, State College, 16803-3065 814-238-1562
Jim Bair State Farm 303 8th St, Huntingdon, 16652-1711 814-643-4920
Cindy Shetler Allstate 306 S Atherton St, State College, 16801 (814) 237-5797
Andres Insurance Agency Allstate 2020 Cato Ave, State College, 16801 (814) 308-8336
Dean Blythe State Farm 1506 W College Ave, State College, 16801-2784 814-237-2903
Frost & Conn Inc Liberty Mutual Independent 1301 N ATHERTON, STATE COLLEGE, 16804 814-237-1492
Judith E Meyer Nationwide 925 West College Avenue, State College, 16801-2804 (814) 234-4500
Robert Sullivan Allstate 3415 Pleasant Valley Blvd, Altoona, 16602 (814) 944-8295
Boyles Insurance Agency Erie 400 S Atherton Street, State College, 16801 None

Halfmoon, 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 +$68 $1,604
Driver's Failure In Showing Documents +$149 $1,685
Driving With An Expired Registration +$158 $1,694
Driving At A Considerably Slow Pace +$333 $1,869
Using A Cellphone While Driving +$352 $1,888
Running A Red Light +$358 $1,894
Speeding +$376 $1,912
Driving A Vehicle Without The Required Permission +$478 $2,014
Driving With An Expired/Suspended License +$1,035 $2,571

Halfmoon, 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 $1,475
Active Disabling Device $1,475
Tracking Device $1,444
Passive Disabling Device $1,428