Otto, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Otto, 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.
Factors that can influence the cost of car insurance in Otto, PA
Many of you may feel that the premium paid towards your car insurance policy can be a strain on your pocket. But it's better to prepare yourself to deal with any unwanted situation. The average cost of car insurance in Otto, PA, is $1,359. The premium charged is lower when compared to neighboring locations like Keating, St. Bonaventure, Foster, and Foster Brook.
The cost of car insurance tends to change depending on certain factors, including your car model, driving profile, credit score, coverage, and deductibles you choose. But here, car owners can control these factors to reduce their car insurance premiums.
a. By maintaining clean driving history
Car insurance providers charge a higher premium to mitigate the risk as they predict their future driving by scrutinizing their past records. The cost of car insurance in Otto can be relatively high for the auto owners involved in multiple accidents. Therefore, it is vital to maintain a clean driving record.
For instance, auto owners found culpable of DUI (Driving Under Influence) will be charged a higher premium. Rash driving, possession of drugs or alcohol, the offense of driving, or any regulation that violates driving rules comes under DUI. The Otto auto insurance Post DUI car will be $2,139.
b. Credit score
A credit score helps in determining the Otto car insurance premium. Hence, auto owners with exceptional scores can receive substantial discounts on auto insurance rates. For instance, car drivers with an 800 to 850 score have to pay a premium of $$1,166. In contrast, auto owners with a poor score of 300-579 have to pay a premium of $2,217. Therefore, a decent credit score and pristine driving history can get you great quotes on car insurance rates.
c. Age of the driver
Driver's age plays an efficient role in deciding the Otto auto insurance. Most expensive insurance premiums are paid by young and teen drivers. Teen drivers in Otto, PA, pay $4,410, whereas auto drivers with 30 and 40 years old pay $1,345 and $1,294, respectively. Car insurance companies consider teen drivers as irresponsible and reckless behind the wheel than other age groups.
d. Gender of the Auto owners
Otto car insurance is decided based on the gender of the person. Insurance companies generally view female drivers as more responsible behind the wheel than male drivers. Therefore, on average male teen drivers pay $379 more than female drivers.
Factors that can influence the cost of car insurance in Otto, 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.
- Otto, PA Auto Insurance Rates
- Otto, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Otto, PA
- Multi Vehicle Insurance Savings in Otto, PA
- How Credit Score Affects Car Insurance Rates in Otto, PA
- How DUI Affects Auto Insurance Premiums in Otto, PA
- Top Auto Insurance Agents Near Otto, PA
- How Driving Violations Affect Auto Insurance Rates in Otto, PA
- Otto, PA Auto Insurance Discounts on Anti Theft Feature
Otto, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Otto, PA with that of other cities in and around Otto.
| Otto | Keating | St. Bonaventure | Foster | Foster Brook | Rew | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,359 | $1,365 | $1,637 | $1,367 | $1,368 | $1,339 |
Otto, 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 Otto, 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) |
|---|---|---|
| Otto | $1,438 | $1,215 |
| Rew | $1,543 | $1,303 |
| Foster Brook | $1,257 | $1,061 |
| Foster | $1,582 | $1,336 |
| Keating | $1,456 | $1,230 |
| Bradford | $1,589 | $1,342 |
| Limestone | $1,498 | $1,265 |
| St. Bonaventure | $1,353 | $1,143 |
Otto, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Otto, 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 | $4,410 |
| 20 Years | $1,746 |
| 30 Years | $1,345 |
| 40 Years | $1,294 |
| 50 Years | $1,198 |
| 60 Years | $1,215 |
| 70 Years | $1,414 |
Otto, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Otto, 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 | $2,337 | $381 |
| 3 Vehicles | $3,506 | $571 |
| 4 Vehicles | $4,675 | $761 |
Savings on 2 Vehicles bundle:$381
Savings on 3 Vehicles bundle:$571
Savings on 4 Vehicles bundle:$761
Otto, 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 Otto, PA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Otto | $1,359 | $2,139 |
| Rew | $1,339 | $2,108 |
| Foster Brook | $1,368 | $2,153 |
| Foster | $1,367 | $2,152 |
| Keating | $1,365 | $2,149 |
| Bradford | $1,345 | $2,117 |
| Limestone | $1,619 | $2,443 |
| St. Bonaventure | $1,637 | $2,470 |
Otto, 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) | $1,166 |
| Excellent (740-799) | $1,331 |
| Good (670-739) | $1,416 |
| Average (580-669) | $1,848 |
| Poor (300-579) | $2,217 |
Otto, 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 |
|---|---|---|---|
| Ryan Callahan | State Farm | 611 E Main St, Bradford, 16701-1841 | 814-368-4050 |
| Marshall Insurance Services Inc | Travelers | 44 Bolivar Dr , Bradford, 16701 | None |
| Pat Hughes | State Farm | 13136 Route 59, Smethport, 16749-4050 | 814-887-5095 |
| Mckean Insurance Agency | Erie | 600 Chestnut Street Suite 1, Bradford, 16701 | None |
| Edward A Swanson | Nationwide | 393 E Main St, Bradford, 16701 | (814) 362-2883 |
| Petruzzi Insurance Agency Llc | Erie | 193 Main Street, Eldred, 16731 | None |
| Mark Phillips | State Farm | 231 Liberty St, Warren, 16365-2389 | 814-723-9190 |
| Nesmith Insurance Agency | Erie | 215 Pennsylvania Avenue E, Warren, 16365 | None |
| Burns & Burns Associates | Travelers | 57 Rear Main St, Bradford, 16701 | (814) 368-7161 |
Otto, 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 | $1,419 |
| Driver's Failure In Showing Documents | +$132 | $1,491 |
| Driving With An Expired Registration | +$140 | $1,499 |
| Driving At A Considerably Slow Pace | +$295 | $1,654 |
| Using A Cellphone While Driving | +$311 | $1,670 |
| Running A Red Light | +$317 | $1,676 |
| Speeding | +$333 | $1,692 |
| Driving A Vehicle Without The Required Permission | +$423 | $1,782 |
| Driving With An Expired/Suspended License | +$916 | $2,275 |
Otto, 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 | $1,305 |
| Active Disabling Device | $1,305 |
| Tracking Device | $1,277 |
| Passive Disabling Device | $1,264 |