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

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

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


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

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

Shade Paint Indian Lake Hooversville Stoystown Central City
Average Insurance Rates $1,361 $1,393 $1,525 $1,352 $1,366 $1,349

Shade, 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 Shade, 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)
Shade $1,513 $1,278
Cairnbrook $1,544 $1,304
Central City $1,212 $1,024
Hooversville $1,440 $1,216
Indian Lake $1,501 $1,268
Ogle $1,326 $1,120
Paint $1,250 $1,056
Stoystown $1,227 $1,036

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

Teenagers in Shade, 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 $4,416
20 Years $1,749
30 Years $1,347
40 Years $1,296
50 Years $1,200
60 Years $1,217
70 Years $1,416

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

Car owners in Shade, 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 $2,395 $327
3 Vehicles $3,593 $490
4 Vehicles $4,791 $653

Savings on 2 Vehicles bundle:$327

Savings on 3 Vehicles bundle:$490

Savings on 4 Vehicles bundle:$653


Shade, 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 Shade, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Shade $1,361 $2,142
Cairnbrook $1,342 $2,112
Central City $1,349 $2,123
Hooversville $1,352 $2,128
Indian Lake $1,525 $2,401
Ogle $1,435 $2,259
Paint $1,393 $2,193
Stoystown $1,366 $2,150

Shade, 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) $1,168
Excellent (740-799) $1,333
Good (670-739) $1,418
Average (580-669) $1,850
Poor (300-579) $2,220

Shade, 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
Tammy V Watt Nationwide 109 S Main St, Davidsville, 15928 (814) 479-2531
James (Jimmy) Kiepert Allstate 1609 Jefferson Ave, Windber, 15963 (814) 467-6661
Bryan Bozovich State Farm 565 E Main St, Somerset, 15501-2108 814-443-1070
Hollern & Koontz Insurance None 1421 Graham Ave, Windber, 15963 None
David Horsfield State Farm 1320 Graham Ave, Windber, 15963-1708 814-467-7011
Koontz Hollern & Seese Inc Travelers 1421 GRAHAM AVE, WINDBER, 15963 814-467-9600
Bo Pierce State Farm 6518 Route 22 Ste 462, Delmont, 15626-2410 724-468-3311
Duncan Insurance Group Inc Travelers 311 MAIN ST, IRWIN, 15642 724-863-3420
Bulava Companies Llc Liberty Mutual Independent 1329 BROAD ST, GREENSBURG, 15601 724-836-7610

Shade, 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 $1,421
Driver's Failure In Showing Documents +$132 $1,493
Driving With An Expired Registration +$140 $1,501
Driving At A Considerably Slow Pace +$295 $1,656
Using A Cellphone While Driving +$312 $1,673
Running A Red Light +$317 $1,678
Speeding +$333 $1,694
Driving A Vehicle Without The Required Permission +$423 $1,784
Driving With An Expired/Suspended License +$917 $2,278

Shade, 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 $1,307
Active Disabling Device $1,307
Tracking Device $1,279
Passive Disabling Device $1,266