Woodcock, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Woodcock, 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.
Cutting Down on Car Insurance rates in Woodcock, PA
Car insurance rates can be a significant financial burden for vehicle owners in Woodcock, PA. However, there are several effective ways to cut down on these costs. In this article, we will explore some strategies to help reduce car insurance rates in Woodcock, PA. The average cost of car insurance in Woodcock, PA, is $1,397. From availing of multi-car discounts to obeying driving regulations, we will cover a range of tips that can help you find the best rates and coverage options for your needs and save money on car insurance.
Availing of Multi-Car Discounts
One of the best ways to save on car insurance rates is by availing of multi-car discounts. If you own more than one vehicle, you can bundle your insurance policies and save money on premiums. Many insurance companies offer multi-car discounts to their customers, which can result in significant savings. Before you sign up for a multi-car policy, make sure to compare quotes from different insurance providers. This will help you find the best rates and coverage options for your needs. Also, ensure that each vehicle on the policy is insured for the same level of coverage. Owners of cars in Woodcock, Pennsylvania average, pay $2,459 for two cars and $3,688 for three. They might save an average of $335 to $503 on car insurance in Woodcock, Pennsylvania.
Car Insurance Rates Based on Age
Another factor that affects car insurance rates is age. Younger drivers typically have higher insurance rates compared to older drivers. This is because younger drivers are statistically more likely to get into accidents than older, more experienced drivers. For example, drivers in their 30s and 40s in Woodcock, Pennsylvania, pay $1,383 and $1,330 in auto insurance, respectively, while teenagers in the same city spend $4,533. You can still find ways to lower your car insurance rates if you are a young driver. For instance, you can take a defensive driving course, maintain a good driving record, and avoid accidents and traffic violations.
Obeying Driving Regulations
One of the simplest yet most effective ways to lower car insurance rates is obeying driving regulations. This means following traffic laws, avoiding speeding and reckless driving, and maintaining a clean driving record. For example, running a red light or having an expired registration in Woodcock, Pennsylvania, can raise your auto insurance rates by +$326 and +$942, respectively. When you have a good driving record, insurance providers view you as a lower risk, which can result in lower rates. Additionally, many insurance providers offer safe driver discounts to customers with good driving records.
Factors that can influence the cost of car insurance in Woodcock, 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.
- Woodcock, PA Auto Insurance Rates
- Woodcock, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Woodcock, PA
- Multi Vehicle Insurance Savings in Woodcock, PA
- How Credit Score Affects Car Insurance Rates in Woodcock, PA
- How DUI Affects Auto Insurance Premiums in Woodcock, PA
- Top Auto Insurance Agents Near Woodcock, PA
- How Driving Violations Affect Auto Insurance Rates in Woodcock, PA
- Woodcock, PA Auto Insurance Discounts on Anti Theft Feature
Woodcock, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Woodcock, PA with that of other cities in and around Woodcock.
| Woodcock | Saegertown | Meadville | Cambridge Springs | Blooming Valley | Crawford County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,397 | $1,386 | $1,384 | $1,365 | $1,392 | $1,387 |
Woodcock, 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 Woodcock, 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) |
|---|---|---|
| Woodcock | $1,643 | $1,388 |
| Crawford County | $1,245 | $1,052 |
| Saegertown | $2,767 | $2,337 |
| Blooming Valley | $1,758 | $1,485 |
| Meadville | $1,971 | $1,665 |
| Cambridge Springs | $1,348 | $1,139 |
| Hayfield | $1,703 | $1,438 |
| East Mead | $1,501 | $1,268 |
Woodcock, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Woodcock, 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 | $4,533 |
| 20 Years | $1,795 |
| 30 Years | $1,383 |
| 40 Years | $1,330 |
| 50 Years | $1,232 |
| 60 Years | $1,249 |
| 70 Years | $1,454 |
Woodcock, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Woodcock, 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 | $2,459 | $335 |
| 3 Vehicles | $3,688 | $503 |
| 4 Vehicles | $4,917 | $671 |
Savings on 2 Vehicles bundle:$335
Savings on 3 Vehicles bundle:$503
Savings on 4 Vehicles bundle:$671
Woodcock, 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 Woodcock, PA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Woodcock | $1,397 | $2,199 |
| Crawford County | $1,387 | $2,183 |
| Saegertown | $1,386 | $2,182 |
| Blooming Valley | $1,392 | $2,191 |
| Meadville | $1,384 | $2,179 |
| Cambridge Springs | $1,365 | $2,149 |
| Hayfield | $1,397 | $2,199 |
| East Mead | $1,426 | $2,245 |
Woodcock, 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) | $1,199 |
| Excellent (740-799) | $1,368 |
| Good (670-739) | $1,456 |
| Average (580-669) | $1,899 |
| Poor (300-579) | $2,279 |
Woodcock, 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 |
|---|---|---|---|
| Ben Watts Agency | None | Po Box 869, union, 4862 | None |
| Kevin Maziarz | State Farm | 16709 Conneaut Lake Rd, Meadville, 16335-3747 | 814-336-1277 |
| B J Petruso Agency And Associates Inc | Travelers | 932 DIAMOND PARK, MEADVILLE, 16335 | 814-724-4000 |
| Straub Insurance Inc | Travelers | 15957 CONNEAUT LAKE RD STE 9, MEADVILLE, 16335 | 814-724-2340 |
| Timothy T Allen | Allstate | 4108 Main St, Erie, 16511 | (814) 897-0111 |
| The Oaks Insurance Agency, Inc. | None | 11401 Mercer Pike , Meadville, 16335 | None |
| R C Chase Ins Agency Inc | Liberty Mutual Independent | 712 Maryland Ave, ERIE, 16505 | (814) 452-2723 |
| R C Chase Insurance | Travelers | 712 Maryland Ave., Erie, 16505 | (814) 651-9150 |
| Northshore Insurance Agency Llc | Erie | 2340 W Grandview Blvd Suite 3, Erie, 16506 | None |
Woodcock, 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 | +$61 | $1,458 |
| Driver's Failure In Showing Documents | +$136 | $1,533 |
| Driving With An Expired Registration | +$144 | $1,541 |
| Driving At A Considerably Slow Pace | +$303 | $1,700 |
| Using A Cellphone While Driving | +$320 | $1,717 |
| Running A Red Light | +$326 | $1,723 |
| Speeding | +$342 | $1,739 |
| Driving A Vehicle Without The Required Permission | +$434 | $1,831 |
| Driving With An Expired/Suspended License | +$942 | $2,339 |
Woodcock, 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 | $1,341 |
| Active Disabling Device | $1,341 |
| Tracking Device | $1,313 |
| Passive Disabling Device | $1,299 |