An evening view of drivers coming to and from Philadelphia, Pennsylvania with the skyline reflecting on the water

Finding Affordable Car Insurance in PA 

Have you experienced sticker shock when you received your new car insurance rate in the mail? It’s a natural response to want to explore ways to save money when you see a number you feel is too high. First, you might want to consider why your car insurance premium is higher than you may have expected. Was there a change to the policy that would increase your rate? Did you submit any claims that might have had an impact on your renewal rate? Regardless of the reason, you’re in the market for affordable car insurance in Pennsylvania and we’re here to help. Let’s consider the possible reasons for increased rates and the top ways to keep your premiums within your budget.

Top Reasons for Increased Rates

  • Accidents and moving violations– When you’re involved in an accident, or get a ticket for a moving violation such as running a red light, you may be classified in a higher risk category than you were previously making car insurance seem a little less affordable. This doesn’t mean that your insurance carrier is being unfair, but it could mean that what you pay for your car insurance will increase.  Accidents, whether or not they are your fault, are statistical indicators of your exposure to risk. The riskiness of the people around you and the roads you drive contribute to the risk of insuring you, no matter how safe and careful you are individually.

    If you have a car accident or are cited for a moving violation, you will probably need to pay a little more than someone who is accident or violation free. Some carriers have accident forgiveness features in their coverage, so this is not universally the case. Also, some state regulations limit the ability of carriers to increase an individual’s premium after just one moving violation. In any event, you will want to find some way to offset the increased premium you experience as a result of an accident or moving violation.

  • Changes to policy– Have you recently added a new driver to your auto insurance policy? Have you added another vehicle? Naturally, making changes to your policy such as adding drivers or vehicles or increasing coverage and limits will most likely result in an increased rate.

  • Annual renewal increase– You weren’t involved in an accident, so why did your insurance rate just go up? Inflation is inevitable. What you paid for your clothes, groceries and gas a few years ago is almost always going to be less compared to the price to purchase those same items today; the same principle applies to increased insurance rates. As the price of vehicles and the cost of repairs is almost always going up, the rate to insure them will likely rise as well.  

  • Disappearing Discounts – Some of the discounts that you received in your first policy term may have been temporary discounts that have rolled off of your policy premium after the first term or first year. Carriers often give new customers a number of discount options to make switching more attractive. Be a smart shopper and ask your agent about which discounts may be temporary, or compare your original premium discounts to your current discounts to understand what impact these disappearing discounts may have had on your premium.

Top Four Ways to Decrease Rates

  • Shop – There are a lot of consumer choices out there, whether you’re in the market for a house, car, television or car insurance. You can shop around to compare coverage, service, and, of course, price. If you feel that you’re not getting the best value on your car insurance policy, it’s easier today than it’s ever been to get rate quotes from numerous insurance carriers. Most major companies even have self-service e-commerce tools that allow you to find your rate and apply any discounts for which you are eligible.   

  • Ask about discounts – You may qualify for a significant discount with a fantastic car insurance carrier and not even be aware of it. Depending on where you work or what programs or organizations you belong to, there are affinity programs that you may qualify for that will ultimately decrease the cost of your car insurance. Also, there are other discounts you may qualify for such as accident-free driver, college student, completed driver safety program, annual premium pay-in-full, and vehicle safety features. Check with your carrier to see what discounts you can take advantage of. 

  • Bundle – Do you have different carriers for your car insurance and homeowners insurance? Generally speaking, if you bundle your insurance coverage such as home, auto, life insurance, etc., you will probably receive an overall discounted insurance rate because you’ve made the intelligent choice to “bundle” your insurance policies under one roof. The old adage, “don’t put all your eggs in one basket” may apply to investments; however, when it comes to protecting your family and your assets with insurance, bundling your coverage is the wise thing to do.

  • Usage-based insurance – Many auto insurers have introduced programs that allow policyholders to measure their driving habits for a minimum period of time or number of miles. You agree to use an app or a device provided by the insurer, and in return for allowing the measurement, you get a discount. Some carriers will give all participants a minimum discount regardless of performance. Those participants with above average driving performance can earn even higher discounts. Ask your carrier about their available usage-based insurance discounts as a way to reduce your premium. 

Final Thoughts on Affordable Car Insurance

If you’re like most consumers, you want the best possible product for the lowest possible cost— in other words, VALUE. Besides the fact that you need it to drive legally in PA, car insurance can offer many valuable benefits to you and your loved ones. Sometimes it’s difficult to make the value distinction when you’re in the market for something that isn’t tangible, like an insurance policy. If you’re ready to make a change, here are a few things you will want to consider about an insurance carrier other than rate: experienced representatives, flexible policy coverage, a dedicated claims department, excellent customer service, rewards programs, and discounted rates with affinity programs. 

Consider making the switch to Plymouth Rock Assurance. Plymouth Rock is proud to represent Pennsylvania drivers. Call and speak with one of our knowledgeable, friendly representatives today – you’ll be glad you did! We can also help explain more about what impacts your car insurance rate, and help you get the best price.

Plymouth Rock Assurance is a marketing name used by a group of separate companies that write and manage property and casualty insurance in multiple states. Insurance in Pennsylvania is underwritten by Palisades Insurance Company, Palisades Property and Casualty Insurance Company and High Point Preferred Insurance Company.


Call 855-993-4470, get your free quote online, or find an agent to learn more about affordable car insurance in PA. Visit our contact us page if you need to call us with additional questions.