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

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

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


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

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

Winterstown Yoe North Hopewell Loganville Dallastown Felton
Average Insurance Rates $1,436 $1,398 $1,466 $1,470 $1,403 $1,428

Winterstown, 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 Winterstown, 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)
Winterstown $1,792 $1,514
North Hopewell $1,105 $934
Cross Roads $1,440 $1,216
Felton $1,351 $1,141
Red Lion $1,814 $1,532
Dallastown $1,248 $1,054
Yoe $2,156 $1,821
Loganville $2,276 $1,923

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

Teenagers in Winterstown, 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 $4,660
20 Years $1,845
30 Years $1,421
40 Years $1,367
50 Years $1,266
60 Years $1,284
70 Years $1,494

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

Car owners in Winterstown, 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 $2,470 $402
3 Vehicles $3,705 $603
4 Vehicles $4,940 $804

Savings on 2 Vehicles bundle:$402

Savings on 3 Vehicles bundle:$603

Savings on 4 Vehicles bundle:$804


Winterstown, 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 Winterstown, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Winterstown $1,436 $2,260
North Hopewell $1,466 $2,308
Cross Roads $1,451 $2,284
Felton $1,428 $2,248
Red Lion $1,397 $2,199
Dallastown $1,403 $2,208
Yoe $1,398 $2,201
Loganville $1,470 $2,314

Winterstown, 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) $1,232
Excellent (740-799) $1,406
Good (670-739) $1,496
Average (580-669) $1,952
Poor (300-579) $2,342

Winterstown, 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
Duffy Insurance Erie 1203 S Queen Street, York, 17403 None
Harry L Bubb Associates Inc Travelers 70 E Forrest Ave, Shrewsbury, 17361 (717) 235-5681
Rick Bair State Farm 238 W Main St, Dallastown, 17313-2012 717-246-2727
Bentzel Insurance Erie 53 Clover Hill Road, Dallastown, 17313 None
Lauer-Mann Insurance Agency Inc Travelers 39 OLD FARM LN, SHREWSBURY, 17361 717-235-4411
Steve Horning State Farm 910 S George St, York, 17403 717-848-6072
Michael C. Durkin Nationwide 63 N Main St Ste K, Stewartstown, 17363-0279 (717) 993-2300
Mark Woodford State Farm 4349 W Lincoln Hwy, Downingtown, 19335-5501 610-269-1300
Bartlett Jeff Agency Inc Nationwide 129 W Lancaster Ave, Downingtown, 19335-2564 (610) 269-5887
Kocman Insurance Group Travelers 3217 E MARKET ST, YORK, 17402 717-854-0300
Kocman Insurance Group Travelers 3217 E MARKET ST, YORK, 17402 717-854-0300
F Frederick Breuninger Travelers 1140 W Lincoln Hwy Coatesville, Valley Township, 19320 None

Winterstown, 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 +$63 $1,499
Driver's Failure In Showing Documents +$139 $1,575
Driving With An Expired Registration +$148 $1,584
Driving At A Considerably Slow Pace +$312 $1,748
Using A Cellphone While Driving +$329 $1,765
Running A Red Light +$335 $1,771
Speeding +$352 $1,788
Driving A Vehicle Without The Required Permission +$447 $1,883
Driving With An Expired/Suspended License +$968 $2,404

Winterstown, 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 $1,379
Active Disabling Device $1,379
Tracking Device $1,350
Passive Disabling Device $1,335