Lucerne Mines Auto Insurance Rates, Quotes, Agents & Reviews in PA

Lucerne Mines, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lucerne Mines, 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 Lucerne Mines, 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.


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

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

Lucerne Mines Coral White Indiana Chevy Chase Heights Homer City
Average Insurance Rates $1,356 $1,375 $1,437 $1,390 $1,419 $1,374

Lucerne Mines, 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 Lucerne Mines, 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)
Lucerne Mines $1,419 $1,199
Homer City $1,276 $1,078
Graceton $1,504 $1,270
Coral $1,194 $1,008
Indiana $1,982 $1,674
Brush Valley $1,071 $905
Chevy Chase Heights $1,685 $1,423
White $1,480 $1,250

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

Teenagers in Lucerne Mines, 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 $4,400
20 Years $1,742
30 Years $1,342
40 Years $1,291
50 Years $1,196
60 Years $1,212
70 Years $1,411

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

Car owners in Lucerne Mines, 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 $2,359 $353
3 Vehicles $3,539 $529
4 Vehicles $4,719 $705

Savings on 2 Vehicles bundle:$353

Savings on 3 Vehicles bundle:$529

Savings on 4 Vehicles bundle:$705


Lucerne Mines, 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 Lucerne Mines, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Lucerne Mines $1,356 $2,135
Homer City $1,374 $2,163
Graceton $1,338 $2,106
Coral $1,375 $2,164
Indiana $1,390 $2,188
Brush Valley $1,392 $2,191
Chevy Chase Heights $1,419 $2,234
White $1,437 $2,262

Lucerne Mines, 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) $1,163
Excellent (740-799) $1,328
Good (670-739) $1,413
Average (580-669) $1,843
Poor (300-579) $2,212

Lucerne Mines, 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
Thomas M Frick Insurance Agency Llc Erie 56 S 6th Street Suite 100, Indiana, 15701 None
Thompson-Mclay Insurance Associates None 39 S 6Th St, Indiana, 15701 None
Brady Krebs Allstate 560A Evans City Rd, Butler, 16001 (724) 482-2070
Panichelle Financial Group Llc Nationwide 8279 SR 22 STE 7, New Alexandria, 15670 (724) 668-2266
Steve Long State Farm 2830 W Liberty Ave, Pittsburgh, 15216-2632 412-531-5600
Anthony Passarelli Farmers 2009 Mackenzie Way Ste 320, Cranberry Twp, 16066 (412) 200-6339
Clinton Mcconnell Farmers 2009 Mackenzie Way Ste 320, Cranberry Township, 16066 (412) 200-6418
George A Reed Agency Inc. Erie 2412 Rochester Road, Sewickley, 15143 None

Lucerne Mines, 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 +$60 $1,416
Driver's Failure In Showing Documents +$132 $1,488
Driving With An Expired Registration +$140 $1,496
Driving At A Considerably Slow Pace +$294 $1,650
Using A Cellphone While Driving +$311 $1,667
Running A Red Light +$316 $1,672
Speeding +$332 $1,688
Driving A Vehicle Without The Required Permission +$422 $1,778
Driving With An Expired/Suspended License +$914 $2,270

Lucerne Mines, 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 $1,302
Active Disabling Device $1,302
Tracking Device $1,275
Passive Disabling Device $1,261