Cheap Car Insurance in Bethlehem, PA
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UPDATED: Nov 17, 2020
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Drivers like you are startled to figure out that it's easier than ever before to get cheap auto insurance in Bethlehem, PA these days. How is this possible, you ask? Because of auto insurance comparison websites like hours, of course. We know the industry secrets that auto insurance agencies don't want you to know about. We can help you navigate the confusing world of car insurance so that you get a fair, affordable premium from a great company near you.
Bethlehem, Pennsylvania is home to one of the oldest and most iconic manufacturing industries in the United States: Bethlehem Steel. They contributed the bulk of steel manufacturing for World War I and World War II, playing a major part in defeating the Nazis. Unfortunately, the company ceased their operations in the late 90s due to competition from other countries and a lack of demand. These days, Bethlehem is well known for their annual Christmas Star Festival.
- Fun fact: Does somebody need a CAT scan? Because Bethlehem is number 25 on the list of top 100 cities with a large percentage of males and health technology and technician jobs. And that's not all there is to learn about Bethlehem, PA.
Auto Insurance Coverage Requirements in Pennsylvania
Driving legally in Bethlehem requires:
|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|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
Liability only coverage - which is the catch-all term people use to describe an auto insurance policy which only includes the bare minimum amount of coverage to drive legally in your state - isn't for everyone. For starters, it doesn't protect you from any out-of-pocket expenses related to damage to your vehicle or the replacement thereof if the accident is your fault. Furthermore, the small liability coverage limits may not be enough to protect you if the accident is very serious and expensive. The injured party/parties may have legal grounds to come after you and seize any eligible financial assets. So if you have the money to afford better coverage - especially if you have a newer, more expensive vehicle or if you have other financial assets you would like to protect - then it's best to purchase a more adequate amount of coverage.
The average Pennsylvania car insurance policy can run as high as $96 a month or more. But who wants to pay that much for their coverage? If you shop around and shop smart, you can get a much better deal than that. We have helped visitors save as much as 42% off of their monthly auto insurance premiums in just a matter of minutes! And there's a good chance we can do the same for you, too.
Both Safe Auto and State Auto are running some pretty decent deals in Bethlehem right now. But keep in mind that the numbers in our graphs are an approximation based on estimated data points. The circumstances which helped get our sample driver $49 a month for their auto insurance coverage may not be the same for you. But we can show you how to get as close as possible so that you can start saving as soon as possible.
Insurance companies that sell Pennsylvania auto insurance don't all have the same business model. Yes, the vast majority of companies wants to sell policies to safe drivers who are unlikely to get into an accident and therefore less likely to file expensive claims. But there are some car insurance providers who cater to a niche group of high-risk pool drivers. Figuring out whether you are in a low-risk pool or a high-risk pool can make a huge difference in both the company you purchased a policy from and the affordability of your monthly premiums.
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Major Car Insurance Factors in Bethlehem
So how do you figure out whether or not you are a high-risk or a low-risk driver? There several circumstances in your life which determine your risk status. the most important ones will be talked about in this section. Be sure to pay close attention, because the things we're about to talk about can make or break the cost of your monthly rate.
Your Zip Code
Bethlehem, PA has a fairly sizable population of 72,427 people. All in all, the average household in Bethlehem is bringing home $52,588 per year in income. What does this mean for your car insurance rates? It tells a lot more than you know, actually. Things like property values, crime rates, statistical traffic data, and more will give your insurance provider a better snapshot of what driving conditions are like in your area and how risky it is for you to be on the road at any given time.
As a Bethlehem resident, one of the ways you can help lower your monthly premiums is by pointing out to your insurance agent that the likelihood of a fatal accident in your ZIP code is very low. The graph below shows the most recent statistical data for fatal accidents in Bethlehem, PA. Given the size of the population of the city and the almost non-existent rate of accidents, it stands to reason that your insurance company should be charging you less for your coverage than other drivers in nearby cities with higher rates of accidents.
Auto Thefts in Bethlehem
Between 2014 and 2016, auto thefts in Bethlehem were nearly cut in half. 2016 Numbers show that only 48 vehicles for stolen, as opposed to the 96 vehicles in years prior. The less likely you are to be a victim of auto theft, the more likely your auto insurance provider will charge you less for your coverage. But you can help yourself out and get even more discounts by installing a passive alarm in your vehicle. And if you happen to be in the market for a new car, truck, or SUV, reach out to your insurance company and ask them for any make/model recommendations which are less likely to get stolen.
Your Credit Score
There are only three states in the US where car insurance companies do not evaluate your credit score when calculating your monthly premium. Unfortunately, Pennsylvania is not one of them. The worse your credit score, the more you will end up paying for your monthly premiums. Part of this is because your insurance company is worried you will pay all of your premiums late, or not pay at all. So they charge you more just to get as much money out of you as they can while they have your business. Other insurance companies do it because they think that people with poor credit scores aren't as safe behind the wheel as people who have higher scores, despite the lack of correlative data which would confirm this assumption.
It may seem unfair to some younger drivers who are very careful and responsible behind the wheel, but the older you are (to a certain extent), the more preferential treatment you will get from an auto insurance company. Statistically speaking, most teenage drivers will get into their first car totaling wreck within their first year of driving. Not only are these accidents unfortunately common, but they're also exorbitantly expensive. For all the young drivers out there: do what you can to show your insurance company how responsible you are by getting good grades and taking a driver's education course. Parents of teenage drivers: see if you can save money by bundling them onto a family policy. Either way, brace yourself for a substantial monthly insurance premium.
Your Driving Record
Contrary to what some people believe, your insurance provider won't take your entire driving history into account when evaluating you and calculating a premium. They only weigh any infractions you may have received within the last three to five years. This means that if you do have tickets or claims on your recent record, all you have to do is wait for them to disappear and keep your nose clean and, eventually, you will get a better premium. If you don't have any transgressions on your current driving record at all, then that's even better! You'll automatically qualify for certain safe driver discounts.
If you think about it, it's really common sense: the more expensive your vehicle is, and the more recently it was purchased, the more you'll have to pay to insure it properly. Now, could you get away with avoiding things like gap coverage, collision, comprehensive, or even roadside assistance on a policy for a brand new 2018 Mercedes Benz (for example)? Technically, yes, some states will legally allow it (although the bank who give you the car loan may have a thing or two to say about that). But if you only purchase liability only coverage, the vast majority of bad things that can happen to your vehicle will leave you footing 100% of the bill.
Minor Car Insurance Factors in Bethlehem
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
It seems like marriage is the gift that keeps on giving - especially if you're newly married. While you're sorting through all the presents, thank you notes, and dealing with all the paperwork, don't forget to contact your insurance company and let them know about the change in your marital status. Simply being married in and of itself can get you upwards of a 3% discount or more off your own policy. And once you bundle your auto insurance coverage with that of your spouse, the discounts can be as high as 10% or even 15%.
Did you know that almost every single insurance company used to offer different premiums to male and female drivers? Yes, they did this even when every other considerable factor was identical. Thankfully for many (especially men, who tend to drive more aggressively and therefore cause more accidents), most insurance companies are shying away from this. But you might want to do yourself a favor and ask some probing questions to find out where your insurance provider stands on the issue.
Your Driving Distance to Work
On average, your typical Bethlehem worker will only spend about 10 to 15 minutes driving by themselves on their way to work. And there will be a good number of them on the road too, seeing as how about 76% of the people who live there do not bother carpooling or taking any form of public transportation.
But if you want to change that, don't be shy about asking co-workers who live near you to see if either of you could save money on gas and a little bit of stress navigating through traffic every single day. It'll benefit everyone in many different ways - including putting less mileage on your car. The fewer miles you drive on an annual basis, the easier it will be to get lucrative discounts from your car insurance provider.
Your Coverage and Deductibles
If you get into a serious wreck and you don't have the money to pay your deductible, things could quickly spiral out of control. You might lack the finances necessary to get a replacement vehicle to get you to and from work. It may take a very long time before you can get reliable transportation, putting hourly workers in jeopardy of losing their job. More than anything, forking over a huge chunk of change unexpectedly is just unpleasant in general. But with a little luck and very careful driving on your part, you may never get into the type of accident that would require you to pay a deductible - and you could save a ton of money in the process since lower deductibles usually mean a higher monthly premium.
Education in Bethlehem, PA
Education levels are a little bit more relaxed in Bethlehem. Compared to the state average, Bethlehem is higher in people who have not yet completed high school, are still in the process of earning a bachelor's degree, or who have earned an associate's degree at a community college or technical school. But that doesn't mean you shouldn't try and get yourself a little more education. It never hurts to learn something new - especially when it could lead to you getting discounts on your auto insurance, which is common for drivers who have higher levels of education under their belt.
If you want to get your higher education locally, you have a few different choices. Lehigh University, Moravian College, and The International Institute for Restorative Practices offer students the opportunity to earn up to a master's degree or higher. There's also St Luke's Hospital School of Nursing and the Northampton County Area Community College for students who want more technical skills. Beyond the city limits, you have even more choices, many of which are less than 15 miles away.
Whether you have the type of credit score, education level, age, or vehicle that puts you into the lowest possible risk pool - or whether your driver profile is a little less perfect than that - you deserve to get a fair price for the policy you need. We can help you do exactly that by comparison shopping with you right now. All it takes is your zip code, and you can get a handful of accurate, competitive quotes from strong, stable companies that I want your business. What are you waiting for?
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.
Pennsylvania Insurance Department