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

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

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

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

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

Harford Brooklyn Lenox Lathrop Gibson New Milford
Average Insurance Rates $1,452 $1,445 $1,441 $1,426 $1,436 $1,445

Harford, 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 Harford, 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)
Harford $1,144 $967
Brooklyn $1,703 $1,438
Susquehanna County $1,321 $1,116
Hop Bottom $1,488 $1,257
New Milford $1,139 $962
Lenox $1,132 $956
Gibson $1,544 $1,304
Lathrop $1,502 $1,268

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

Teenagers in Harford, 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 $4,711
20 Years $1,866
30 Years $1,437
40 Years $1,383
50 Years $1,280
60 Years $1,298
70 Years $1,511

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

Car owners in Harford, 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 $2,556 $348
3 Vehicles $3,833 $523
4 Vehicles $5,111 $697

Savings on 2 Vehicles bundle:$348

Savings on 3 Vehicles bundle:$523

Savings on 4 Vehicles bundle:$697

Harford, 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 Harford, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Harford $1,452 $2,286
Brooklyn $1,445 $2,275
Susquehanna County $1,430 $2,251
Hop Bottom $1,376 $2,166
New Milford $1,445 $2,275
Lenox $1,441 $2,268
Gibson $1,436 $2,260
Lathrop $1,426 $2,245

Harford, 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) $1,246
Excellent (740-799) $1,422
Good (670-739) $1,513
Average (580-669) $1,974
Poor (300-579) $2,368

Harford, 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
Csi & Associates Inc Travelers 107 E MAIN ST, DALTON, 18414 570-563-3027
Leas Insurance Agency Inc Nationwide 700 N State Street, Clarks Summit, 18411-0113 (570) 586-2341
Timothy Harris Allstate 251 E Grove St, Clarks Summit, 18411 (570) 587-0858
Bruce L. Seamans Insurance None 22 Jackson St , New Milford, 18834 None
Gerald Price Ins Agency Inc Travelers 59 SALEM AVE, CARBONDALE, 18407 570-282-3040
Fitzsimmons Agency Allstate 504 Main St PO Box C, Forest City, 18421 (570) 785-3187
Mcgovern Insurance Agency, Inc None 20 Sixth Avenue, Carbondale, 18407 None
Gannon Associates Travelers 16501 SR 706 STE 3, MONTROSE, 18801 877-426-6667
Kapmoore Associates Inc. Erie 964 Wyoming Avenue, Forty Fort, 18704 None

Harford, 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 +$64 $1,516
Driver's Failure In Showing Documents +$141 $1,593
Driving With An Expired Registration +$150 $1,602
Driving At A Considerably Slow Pace +$315 $1,767
Using A Cellphone While Driving +$333 $1,785
Running A Red Light +$338 $1,790
Speeding +$356 $1,808
Driving A Vehicle Without The Required Permission +$452 $1,904
Driving With An Expired/Suspended License +$979 $2,431

Harford, 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 $1,394
Active Disabling Device $1,394
Tracking Device $1,365
Passive Disabling Device $1,350