Yukon, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Yukon, 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.
Low Cost Car Insurance in Yukon, PA.
In Yukon, Pennsylvania, auto insurance typically costs $1,377. It's no secret that most states require drivers to carry auto insurance. After all, the person at fault in a car accident that results in damages and injuries may face serious financial difficulties. Nevertheless, depending on the driver's needs, auto insurance firms offer a variety of auto insurance packages. These plans come with various costs and coverages from business to company. Use the advice below to find the best auto insurance deals in Yukon, Pennsylvania.
1. Choose a high deductible
If you're looking for lower auto insurance rates in Yukon, PA, one option to consider is to choose a high deductible. By doing so, you could potentially save hundreds of dollars on your premium. Of course, there is a trade-off when selecting a high deductible. Namely, if you are involved in an accident or your vehicle is damaged, you will be responsible for paying the entire amount of the deductible. Therefore, it's important to ensure you have enough savings to cover the deductible in an emergency. Generally, the higher your deductible, the lower your auto insurance rates in Yukon, PA. For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,258, whereas car owners who opted for a deductible of 500 pay $1,489
2. Maintain a high credit score
Check your credit score if you're shopping for auto insurance in Yukon, Pennsylvania. Your credit score can have a big impact on your insurance rates. If you have a good credit score, you'll likely get a better auto insurance rate. That's because insurers see people with good credit as less risky. They're less likely to file a claim and miss a payment. If you have a bad credit score, you could pay more for auto insurance. In Yukon, Pennsylvania, automobile owners with exceptional credit scores have to pay $1,181, while those with poor or low credit must spend $2,246 for a car. As a result, automobile owners who want to receive savings on car insurance in Yukon, Pennsylvania, must keep a solid credit score.
3. Avoid Driving under the influence (DUI)
Drunk driving is one of the leading causes of car accidents in the United States. If you are caught driving under the influence (DUI), you will face severe legal penalties, including jail time, fines, and the loss of your driver’s license. You will also be required to purchase high-risk car insurance, which is much more expensive than regular car insurance. For example, on average, Yukon, Pennsylvania, charges $1,377 for auto insurance. Owners of vehicles that have a history of DUI incur a $2,168 post-DUI premium. As a result, insurance premiums rise after a DUI. Even if you are a safe driver, if caught driving under the influence, your car insurance company will consider you a high-risk driver. This will cause your rates to increase significantly. To avoid this, always follow the law and do not drink and drive.
Factors that can influence the cost of car insurance in Yukon, 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.
- Yukon, PA Auto Insurance Rates
- Yukon, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Yukon, PA
- Multi Vehicle Insurance Savings in Yukon, PA
- How Credit Score Affects Car Insurance Rates in Yukon, PA
- How DUI Affects Auto Insurance Premiums in Yukon, PA
- Top Auto Insurance Agents Near Yukon, PA
- How Driving Violations Affect Auto Insurance Rates in Yukon, PA
- Yukon, PA Auto Insurance Discounts on Anti Theft Feature
Yukon, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Yukon, PA with that of other cities in and around Yukon.
| Yukon | Arona | South Huntingdon | Wyano | Hunker | Herminie | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,377 | $1,369 | $1,411 | $1,370 | $1,386 | $1,359 |
Yukon, 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 Yukon, 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) |
|---|---|---|
| Yukon | $1,489 | $1,258 |
| Wyano | $1,273 | $1,075 |
| South Huntingdon | $1,534 | $1,295 |
| Sewickley | $1,393 | $1,176 |
| Herminie | $1,400 | $1,182 |
| Hunker | $1,136 | $960 |
| Arona | $1,230 | $1,039 |
| New Stanton | $1,799 | $1,520 |
Yukon, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Yukon, 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 | $4,468 |
| 20 Years | $1,769 |
| 30 Years | $1,363 |
| 40 Years | $1,311 |
| 50 Years | $1,214 |
| 60 Years | $1,231 |
| 70 Years | $1,433 |
Yukon, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Yukon, 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 | $2,424 | $330 |
| 3 Vehicles | $3,635 | $496 |
| 4 Vehicles | $4,847 | $661 |
Savings on 2 Vehicles bundle:$330
Savings on 3 Vehicles bundle:$496
Savings on 4 Vehicles bundle:$661
Yukon, 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 Yukon, PA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Yukon | $1,377 | $2,168 |
| Wyano | $1,370 | $2,157 |
| South Huntingdon | $1,411 | $2,221 |
| Sewickley | $1,395 | $2,196 |
| Herminie | $1,359 | $2,139 |
| Hunker | $1,386 | $2,182 |
| Arona | $1,369 | $2,155 |
| New Stanton | $1,446 | $2,276 |
Yukon, 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) | $1,181 |
| Excellent (740-799) | $1,349 |
| Good (670-739) | $1,435 |
| Average (580-669) | $1,872 |
| Poor (300-579) | $2,246 |
Yukon, 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 |
|---|---|---|---|
| Mcdowell Associates | Erie | 1002 Tower Way, Greensburg, 15601 | None |
| Spodek Insurance | Liberty Mutual Independent | 4349 MURRAY AVE, PITTSBURGH, 15217 | 412-521-8600 |
| Don Hoke Inc | Nationwide | 2 Dollar Ave, Scottdale, 15683 | (724) 887-7130 |
| Hanley Agency | Travelers | 4211 MURRAY AVE, PITTSBURGH, 15217 | 412-422-7900 |
| Rosemary Skaggs | State Farm | 100 Bessemer Rd, Mt Pleasant, 15666-9130 | 724-547-0200 |
| Rosemary Skaggs | State Farm | 100 Bessemer Rd, Mt Pleasant, 15666-9130 | 724-547-0200 |
| Westmor Insurance Llc | None | 237 Pittsburgh St, Scottdale, 15683 | None |
| Estes Conforti Agency Llc | Erie | 547 Wendel Road, Irwin, 15642 | None |
| Robert Berezansky | Farmers | 101 W Pittsburgh St, Greensburg, 15601 | (724) 691-0202 |
| Mcelhinny Insurance Agency Llc | Erie | 5624 Brownsville Rd Pittsburgh, Baldwin, 15236 | None |
| White Insurance Agency | Erie | 122 N Broadway Street, Scottdale, 15683 | None |
Yukon, 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 | $1,438 |
| Driver's Failure In Showing Documents | +$134 | $1,511 |
| Driving With An Expired Registration | +$142 | $1,519 |
| Driving At A Considerably Slow Pace | +$299 | $1,676 |
| Using A Cellphone While Driving | +$315 | $1,692 |
| Running A Red Light | +$321 | $1,698 |
| Speeding | +$337 | $1,714 |
| Driving A Vehicle Without The Required Permission | +$428 | $1,805 |
| Driving With An Expired/Suspended License | +$928 | $2,305 |
Yukon, 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 | $1,322 |
| Active Disabling Device | $1,322 |
| Tracking Device | $1,294 |
| Passive Disabling Device | $1,281 |