Reading, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Reading, 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 Reading, 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.
- Reading, PA Auto Insurance Rates
- Reading, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Reading, PA
- Multi Vehicle Insurance Savings in Reading, PA
- How Credit Score Affects Car Insurance Rates in Reading, PA
- How DUI Affects Auto Insurance Premiums in Reading, PA
- Top Auto Insurance Agents Near Reading, PA
- How Driving Violations Affect Auto Insurance Rates in Reading, PA
- Reading, PA Auto Insurance Discounts on Anti Theft Feature
- Reading, PA Auto Insurance Company Reviews
Reading, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Reading, PA with that of other cities in and around Reading.
| Reading | Lower Alsace | Mount Penn | West Reading | Hyde Park | Kenhorst | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,351 | $1,413 | $1,387 | $1,393 | $1,392 | $1,402 |
Reading, 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 Reading, 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) |
|---|---|---|
| Reading | $1,444 | $1,220 |
| West Reading | $1,650 | $1,394 |
| Mount Penn | $1,614 | $1,363 |
| Lower Alsace | $1,636 | $1,382 |
| Wyomissing | $1,586 | $1,340 |
| Greenfields | $1,130 | $954 |
| Kenhorst | $1,258 | $1,062 |
| Hyde Park | $1,092 | $922 |
Reading, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Reading, 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 | $4,384 |
| 20 Years | $1,736 |
| 30 Years | $1,337 |
| 40 Years | $1,286 |
| 50 Years | $1,191 |
| 60 Years | $1,208 |
| 70 Years | $1,406 |
Reading, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Reading, 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 | $2,378 | $324 |
| 3 Vehicles | $3,567 | $486 |
| 4 Vehicles | $4,756 | $648 |
Savings on 2 Vehicles bundle:$324
Savings on 3 Vehicles bundle:$486
Savings on 4 Vehicles bundle:$648
Reading, 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 Reading, PA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Reading | $1,351 | $2,127 |
| West Reading | $1,393 | $2,193 |
| Mount Penn | $1,387 | $2,183 |
| Lower Alsace | $1,413 | $2,224 |
| Wyomissing | $1,494 | $2,352 |
| Greenfields | $1,434 | $2,257 |
| Kenhorst | $1,402 | $2,207 |
| Hyde Park | $1,392 | $2,191 |
Reading, 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) | $1,159 |
| Excellent (740-799) | $1,323 |
| Good (670-739) | $1,408 |
| Average (580-669) | $1,837 |
| Poor (300-579) | $2,204 |
Reading, 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 |
|---|---|---|---|
| Dave Ladley | State Farm | 1710 Swamp Pike, Gilbertsville, 19525-9434 | 610-367-4668 |
| Jeff King | Allstate | 225 S Easton Rd, Glenside, 19038 | (215) 576-7944 |
| Komlan Tsiseglo | Allstate | 720 Church Ln, Yeadon, 19050 | (484) 461-9144 |
| William C. Young Iii Agency | Nationwide | 3351 Perkiomen Avenue, Reading, 19606-2736 | (610) 779-8064 |
| Robert J Mcallister Agency Inc | Travelers | 15 GARRETT AVE 3RD FL, ROSEMONT, 19010 | 610-687-9790 |
| Traci Nickens | Farmers | 1550 E Wadsworth Ave, Philadelphia, 19150 | (215) 242-4090 |
| Conner Strong & Buckelew Companies Inc | Liberty Mutual Independent | TWO LIBERTY PL 50 S 16TH ST STE 3600, PHILADELPHIA, 19102 | 267-702-1400 |
| Jonathan Cohen Lutcf | Farmers | 1456 County Line Rd, Huntingdon Valley, 19006 | (267) 719-3276 |
| Larry Lewis Insurance Agency Llc | Erie | 4548 Market Street Suite M22 Suite 208, Philadelphia, 19139 | None |
| Avg Insurance Services Llc | Travelers | 722 MACDADE BLVD, COLLINGDALE, 19023 | 610-585-9358 |
Reading, 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 | +$59 | $1,410 |
| Driver's Failure In Showing Documents | +$131 | $1,482 |
| Driving With An Expired Registration | +$139 | $1,490 |
| Driving At A Considerably Slow Pace | +$293 | $1,644 |
| Using A Cellphone While Driving | +$309 | $1,660 |
| Running A Red Light | +$315 | $1,666 |
| Speeding | +$331 | $1,682 |
| Driving A Vehicle Without The Required Permission | +$420 | $1,771 |
| Driving With An Expired/Suspended License | +$911 | $2,262 |
Reading, 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 | $1,297 |
| Active Disabling Device | $1,297 |
| Tracking Device | $1,270 |
| Passive Disabling Device | $1,256 |
Latest Auto Insurance Reviews in Reading, PA | Back to Top
ProgressiveThe offerings are very comparable to other insurance providers. I feel very comfortable with the coverage I have, and I like that I get the flexibility to pick what I actually need.
New Jersey Manufacturers Insurance CompanyThey have some of the better rates for my area for car insurance so I would recommend. They can insure all forms of automobiles and there is much flexibility in the desired level of insurance.
AllstateI would definitely recommend AllState! Have only had great experiences with great customer service and low payments.
The General InsuranceI feel my premium is really good for what I get for my car. It is easy to pay off up front, but also is easy month to month. I feel my deductible could be lower, but with my good driving record, I am not as concerned as I could still afford it even if I make a claim.
The General InsuranceI feel my premium is really good for what I get for my car. It is easy to pay off up front, but also is easy month to month. I feel my deductible could be lower, but with my good driving record, I am not as concerned as I could still afford it even if I make a claim.
EsuranceThey are available around the clock seven days a week. I have used them at an off time before and this is very convenient.
AllstateI think that allstate has a lot of good options to offer and they seem to come in at a reasonable rate when compared to some of the other big names
MetlifeI have no problem about the premiums we pay for coverage of our automobiles. I have never been given any reason to doubt them.
Amica Mutual InsuranceI have no bad things to say about our insurance company. The only thing I dislike is that I only know they have one office here and the parking is the only bad thing about it. Theres no street parking and garage parking is not validated and costly because it is in a very busy business district.
Amica Mutual InsurancePrices are good. They seem to be better than the competition around here
Metlifediscounts, great customer service