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

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.

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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 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