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Are you in need of cheap auto insurance in Allentown, PA? At AutoInsuranceEZ.com, you could find the lowest cost insurance premiums in your city. To find free car insurance quotes available from the best providers now, type in your zipcode in the quote box in this posting.

Allentown boasts a desirable mix of both metropolitan connectivity and scenic natural landscapes. In the past, the city was a renowned center for manufacturing, but the present economy has since diversified, especially when it comes to service industries.

  • Fun fact: how about a little off the top? Because Allentown is #47 (18104) on the list of “Top 101 zip codes with the most beauty salons in 2005”. Find out more about Allentown.

Auto Insurance Coverage Requirements in Pennsylvania

Driving legally in Allentown requires:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments 5,000 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Liability coverage (which is mandatory in almost every state) pays out claims on accidents and damages which are deemed your fault. Medical payments, on the other hand, help with any medical bills you or someone else suffers as a result of an accident.

Around Pennsylvania, your average driver might be paying around $120 each month just to maintain basic automotive coverage. However, Allentown drivers have the chance to get insured for as little as $40/mo* if they act fast!

Average Monthly Auto Insurance Premiums Legend: Allentown Cal Casualty Allied State Auto Mercury Allstate 5 10 15 20 25 30 35 40 45 50 $33 $33 $31 $50 $51

 

If having the absolutely lowest rate is your top priority, then you’ll be able to find great rates from Cal Casualty, Allied, or State Auto. But keep in mind that a low rate is not a reflection of their customer service practices, or their reliability when it comes to fulfilling claims.

Auto insurance providers contemplate several variables when determining insurance prices, such as gender, zip code, credit score/rating, years of driving experience, whether or not you use your vehicle for work. Also remember that premiums are unlikely to be the same from one company to the next. To verify you are still paying the most affordable price, examine cheap Pennsylvania auto insurance premiums online.

Major Car Insurance Factors in Allentown

There are many ways in which your car insurance rate may be estimated. But not all of it is out of your control; there are things you can do in order to influence which discounts you are eligible to get. The following are some of these factors in greater detail:

  • Your Zip Code

Where you park your vehicle nightly will probably have a major impact on your car insurance rate. Generally, auto insurance cost less in rural regions mainly because a lower number of cars means a reduced chance that you’ll get in an accident with another vehicle. The populace of Allentown is 118,577 plus the general household income is $36,655.

Auto Insurance by Zip Code Legend: Pittsburgh Philadelphia Allentown Reading Erie Cal Casualty Allied State Auto Mercury Allstate 10 20 30 40 50 60 70 80 90 $30 $77 $33 $33 $34 $33 $70 $33 $28 $34 $33 $80 $31 $30 $36 $46 $90 $50 $46 $47 $50 $94 $51 $50 $51

 

  • Automotive Accidents

For a town with over 100,000 residents, the accidents statistics for Allentown are somewhat below average. Driving on relatively safe roads is also good news because you might be getting automatic discounts on your insurance premiums that you weren’t previously aware of.

Fatal Accidents in Allentown, PA Legend: Allentown Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 7 10 5 7 14 3

 

  • Auto Thefts in Allentown

All insurance companies are concerned about auto theft; this is especially true for drivers who live in large cities. The greater the population, the higher the likelihood that you will have to file an auto theft claim. The total number of stolen vehicles in 2013 was only 337 for Allentown. If these statistics make you uncomfortable, you might want to consider adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Cal Casualty Allied State Auto Mercury Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 $33 $129 $33 $88 $31 $107 $50 $132 $51 $125

 

  • Your Credit Score

Motorists with poor credit are often considered a “high risk” demographic, and for this reason, companies such as Allstate or Mercury might double or triple their monthly premium, respectively. Some, like State Auto, may flat out refuse coverage in the first place.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Cal Casualty Allied State Auto Mercury Allstate 10 20 30 40 50 60 70 80 90 100 110 $28 $66 $30 $62 $31 Do Not Sell $29 $112 $43 $85

 

  • Your Age

Another high risk group of drivers are young people. Whether you’re still in high school or entering college, you’re probably paying some of the highest rates around. But making good grades and taking driving classes can give you access to some helpful discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Cal Casualty Allied State Auto Mercury Allstate 25 50 75 100 125 150 175 200 225 250 275 $33 $123 $33 $159 $31 $187 $50 $292 $51 $204

 

  • Your Driving Record

Driving with violations on your record in Pennsylvania doesn’t necessarily carry the financial burden that it might in other states. Regardless, you can still save some money off of your policy premiums if you qualify for an Accident Forgiveness discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Cal Casualty Allied State Auto Mercury Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 $33 $36 $85 $42 $33 $34 $130 $70 $31 $33 $60 $43 $50 $54 $49 $77 $51 $49 $49 $66

 

  • Your Vehicle

What costs more to insure: full coverage on a Toyota Echo, or state minimums on a Porsche? Surprisingly, the Toyota might cost more, but only because you’re fully covering it from any potential scenario. However, carrying liability coverage on a luxury vehicle is not the wisest course of action, since it is so limited that you’ll likely be paying out of pocket if anything bad happens to it.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Cal Casualty Allied State Auto Mercury Allstate 20 40 60 80 100 120 140 160 180 $33 $144 $33 $90 $31 $115 $50 $194 $51 $160

 

Minor Car Insurance Factors in Allentown

Other influential factors may include:

  • Your Marital Status

Married couples have the potential to bundle their auto insurance policies together if they both agree to be insured by the same company. And, as a sort of “thank you” gesture for giving them more business, they’ll more than likely reward you with a discount.

  • Your Gender

Most drivers might be surprised to learn this little fact: there is no industry standard for whether or not to charge different rates based on gender. And, if you shop around, you might get lucky and find a good provider who doesn’t discriminate at all.

  • Your Driving Distance to Work

The average work commute for most Allentown citizens lasts between 20-31 minutes for the majority of drivers, although some shorter commutes of 14-16 minutes have been recorded. 73% of workers will undoubtedly be driving themselves to work alone, while an additional 7-22% prefer carpooling.

Decreasing your annual mileage seems like it might be a great way to get some pretty huge discounts, but it’s a little deceiving. For most providers, you’ll have to cut your miles by 5,000-10,000 each year or more, and at best you’ll maybe see a 3-5% decrease.

  • Your Coverage and Deductibles

If you’re feeling lucky, or if you have a little bit of money saved up, you could try lowering your monthly payments by raising your deductible. Just remember that you have to be prepared to pay it in order to get your vehicle repaired or replaced in the event of a serious accident.

  • Education in Allentown, PA

Just under 37% of Allentown residents have successfully gone through all four years of high school and earned their diploma. Another 27% have not yet passed through all their high school years. But you should know that education plays an important role when it comes to car insurance discounts. The higher your education, the more money you’ll save!

Within Allentown and the nearby metropolitan areas, there are nearly a dozen different universities. Muhlenberg is housed within Allentown city limits and offers a prestigious pre-med degree (among other respected majors). Also within its borders are the Lehigh College Workforce Training Center and Cedar Crest College.

Finding inexpensive automobile insurance might be a problem. There’s a lot of information you need to look at, and determining precisely how insurance companies assess your possible risk might be complex. But don’t let the wrong insurance company to convince you to sign up for a second-rate policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Pennsylvania Insurance Department

The Philadelphia Courts – Office of Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

All set to compare rates? See how much it can save you!

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