The average cost of car insurance in Pennsylvania in 2010 was $1,792. This figure is higher than the national average of $1,580. Simply because average rates in this state tend to be higher, it doesn’t mean that all PA residents need to resign themselves to paying more for their car insurance coverage.
Knowing that Pennsylvania residents are more likely to dig deeper for their car insurance coverage means that it is more important for them to do everything they can to avoid paying more than they have to. Shopping around to get the best rates is good advice for all car insurance consumers. Each insurance company sets its own rates, and premiums can vary greatly for a similar level of coverage.
Asking for and getting quotes from a number of providers can help a PA car insurance customer to find a company willing to provide a good level of coverage at an affordable price. If a car insurance customer finds a company that offers a quality insurance product but wants to find ways to bring the cost down, a good place to start is to ask for a higher deductible. That way, the level of coverage stays the same, but the premiums will be lower.
Insurance companies also offer discounts to customers. It can’t hurt to ask about what is available to see which ones a person looking for coverage may qualify for.