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What Affects Car Insurance Rates in Pennsylvania

If you drive, having adequate insurance coverage is a necessity, so it is important to know what affects car insurance rates so that you can find the best price. Even though insurance will protect you and your property in the event of an accident , nobody wants to spend more than they need to on their coverage, which is why it's so important to shop around for the best rates on a regular basis. Policyholders should also have a solid understanding of the many different factors that can impact their rates and premiums. By knowing what's influencing your rates, you may even be able to make some small changes to save money without sacrificing coverage in the process.

Driving Record

One of the major influencing factors for your auto insurance premium is your driving record. If you have recent accidents or traffic violations, your insurance company will view you as a greater risk and will therefore charge you more than a driver who doesn't have any recent violations or accidents recorded.

The amount of time a violation or accident will stay on your driving record can vary from state to state, though in most cases, you can expect these to affect your insurance rates for about three to five years.


The location where you park your car at night can also have an impact on your insurance rates. Some ZIP codes, for example, have higher rates of stolen and vandalized vehicles than others. As a result, if you live in an area where the risk of these incidents is higher, you'll unfortunately need to spend a little more for certain types of coverage, such as comprehensive and total loss coverage.

Credit Score

Financial blunders you've made in the past may come back to haunt you in the form of higher auto insurance rates, so it's always a good idea to know where you stand when it comes to your credit. The higher your score, the better the rates you'll generally qualify for. With this in mind, you should make sure to check your credit report at least once a year for any errors or mistakes so you can dispute them if needed; and of course, do everything you can to improve your score if it's less-than-ideal.

Driver Age

Due to a lack of driving experience, younger drivers (and especially teen drivers) statistically are at a greater risk of getting into accidents, so you'll generally pay more for liability coverage when you're younger. As drivers get older and more experienced, insurance rates generally drop so long as the driver doesn't have significant traffic violations or accidents on their driving record. Once a driver enters their senior years, normally 70’s and above, rates trend upwards again. On the flip side, younger drivers that are students may be eligible for student discount.


Your specific vehicle make and model will also have an impact on your insurance rates, especially when you consider that some vehicles are just statistically safer than others. A newer vehicle with excellent crash test ratings and upgraded safety features, such as back-up cameras and lane departure warning systems, is likely to have lower rates than an older car that doesn't even have working air bags.

Furthermore, it's worth noting that some cars are statistically at a greater risk of theft than others, so you may be able to receive a lower insurance rate if your vehicle is equipped with anti-theft devices, or if you have a vehicle that is statistically at a low risk of theft.

These are just a few things that have the most substantial impact on what you'll pay for car insurance. Still, rates can vary from one carrier to the next, so be sure to get a quote and shop around for the best value.

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