South Heidelberg Auto Insurance Rates, Quotes, Agents & Reviews in PA

South Heidelberg, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in South Heidelberg, 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 South Heidelberg, 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.


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

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

South Heidelberg Reinholds Wernersville Robesonia Spring Sinking Spring
Average Insurance Rates $1,477 $1,440 $1,434 $1,419 $1,452 $1,451

South Heidelberg, 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 South Heidelberg, 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)
South Heidelberg $1,521 $1,285
Wernersville $1,243 $1,050
Reinholds $1,248 $1,054
Robesonia $1,683 $1,422
Spring $1,743 $1,472
Lower Heidelberg $1,336 $1,128
Sinking Spring $1,092 $922
West Cocalico $2,113 $1,784

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

Teenagers in South Heidelberg, 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 $4,793
20 Years $1,898
30 Years $1,462
40 Years $1,406
50 Years $1,302
60 Years $1,321
70 Years $1,537

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

Car owners in South Heidelberg, 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 $2,540 $414
3 Vehicles $3,811 $620
4 Vehicles $5,081 $827

Savings on 2 Vehicles bundle:$414

Savings on 3 Vehicles bundle:$620

Savings on 4 Vehicles bundle:$827


South Heidelberg, 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 South Heidelberg, PA.

Location Average Insurance Cost Post DUI Insurance Rate
South Heidelberg $1,477 $2,325
Wernersville $1,434 $2,257
Reinholds $1,440 $2,267
Robesonia $1,419 $2,234
Spring $1,452 $2,286
Lower Heidelberg $1,568 $2,468
Sinking Spring $1,451 $2,284
West Cocalico $1,461 $2,300

South Heidelberg, 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) $1,267
Excellent (740-799) $1,447
Good (670-739) $1,539
Average (580-669) $2,008
Poor (300-579) $2,409

South Heidelberg, 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
Hinkle Insurance Agency Inc. Erie 600 Olde Hickory Rd, Ste 200, Lancaster, 17601 (717) 553-1627
Timothy Ferko Allstate 400A W Broad St, Shillington, 19607 (610) 777-7823
Bridgepoint Insurance Group Liberty Mutual Independent 85 OLD EAGLE SCHOOL RD STE 105, WAYNE, 19087 (610) 687-5712
Matt Williams State Farm 1275 N Reading Rd, Stevens, 17578-9703 717-336-3855
Lauren Demaio Allstate 227 Haverford Ave, Narberth, 19072 (610) 649-4663
The Park R Insurance Agency Inc Travelers 3221 EDGMONT AVE, BROOKHAVEN, 19015 610-874-7900
Stephen Diorio State Farm 72 Lancaster Ave Ste 4, Malvern, 19355-2142 484-319-4511
Quinn Insurance Agency Llc Erie 624 Baltimore Pike, Springfield, 19064 None
Mike Yates State Farm 677 W Dekalb Pike Ste 220, Kng Of Prussa, 19406-3065 610-354-0945
Bradley Allen Bongiorni Agency Nationwide 530 Baltimore Pike, Springfield, 19064 (610) 340-3203
Premier Insurance Network Llc Travelers 2123 W MAIN ST, NORRISTOWN, 19403 610-630-0470

South Heidelberg, 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 +$65 $1,542
Driver's Failure In Showing Documents +$143 $1,620
Driving With An Expired Registration +$152 $1,629
Driving At A Considerably Slow Pace +$321 $1,798
Using A Cellphone While Driving +$338 $1,815
Running A Red Light +$344 $1,821
Speeding +$362 $1,839
Driving A Vehicle Without The Required Permission +$459 $1,936
Driving With An Expired/Suspended License +$995 $2,472

South Heidelberg, 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 $1,418
Active Disabling Device $1,418
Tracking Device $1,388
Passive Disabling Device $1,374