Cheap Car Insurance in Reading, PA
Free Auto Insurance Comparison
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UPDATED: Nov 17, 2020
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Reading, Pennsylvania is one of the top five most populated cities within the state and known for its many tourist attractions. For starters, “The Pagoda”, built in the style of Japanese architecture in 1908, resides at the top of Mt. Penn and is visible from nearly any part of the town. Additionally, the Memorial Fire Tower is a 120-foot-tall structure built back in the late 1940’s. At nearly 1,000 feet above sea level, tourists can enjoy a panoramic view that stretches for nearly 60 miles on a clear day.
- Fun fact: the local hardware stores must be doing well, because Reading is #2 on the list of “Top 100 cities with old houses but young residents (pop. 50,000+)”. Learn more about Reading by visiting here.
Auto Insurance Coverage Requirements in Pennsylvania
Driving legally in Reading 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|
Keep in mind that whether you decide to go with the state minimum coverage, or to purchase more, will depend on the vehicle you are insuring. Older, less expensive cars can get away with a bare minimum policy. Newer vehicles, especially those that are still being financed, will need more coverage.
Average insurance rates will vary between drivers, but the average cost is around $120 per month. However, if you live in Reading, there are some deals available now in your area which could lower your monthly premiums to $37/mo* or less. We'll show you how.
Cal Casualty, Allied, and State Auto are all trying to offer the lowest premiums in Reading right now. But keep in mind, however, that these are for the average driver. Certain companies specialize in certain groups of drivers, and their monthly rates may fluctuate wildly if your personal circumstances fall into one of these "outlier" groups.
Those that provide auto insurance policies consider different variables when determining quotes, such as gender, zip code, type of vehicle owned, education, and current insurance coverage and limits. Also remember that premiums can alter from company to company. To find out if you are still paying the most affordable price, evaluate cheap Pennsylvania auto insurance costs on the internet.
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Major Car Insurance Factors in Reading
Any time your car insurance provider prepares to come up with your plan, they take a lot of variables into account. Some of these, for example your age or your exact address, usually are very unlikely to alter. Here are some other examples:
Your Zip Code
Where you store your automobile each night will probably have a major influence on your car insurance rate. Generally, auto insurance is less expensive in outlying areas simply because fewer automobiles means a reduced chance that you’re going to get into an accident with another vehicle. The population of Reading is 87,893 and also the typical family earnings are $25,567.
For nearly having almost 90,000 residents, some might expect to see more serious accidents in the Reading area than what is present in the chart below. The low number of accidents should be automatically lowering rates in your area - but if you are unsure, it would be best to get in touch with your local insurance agent.
Auto Thefts in Reading
Acquiring low-cost auto insurance can be hard should you be vulnerable to auto theft. Certain popular automobile models are attractive to thieves, as well as automobiles which are parked frequently in big urban centers. The full number of stolen cars in the year 2013 was 294 for Reading. If you have a newer vehicle, or a common one, you might need Comprehensive coverage to protect your vehicle from auto theft.
Your Credit Score
Suffering from poor credit? Well, unfortunately, your insurance premiums will only complicate the issue. Many companies in Pennsylvania charge exceptionally high rates for poor credit - it even appears as though some refuse to offer any coverage at all for a poor credit score.
Older drivers, because of their age and experience with driving, are much less likely to get into an accident. That is why, conversely, their young adult counterparts are charged much more for insurance. Be sure to ask about discounts for young drivers and students if you are one, or are trying to find insurance for one in your family.
Your Driving Record
Most drivers on the road today don't have a perfect record. For minor violations, such as a low-level accident, you might be able to get that factored out with an Accident Forgiveness policy, lowering your monthly premium. But more serious charges, like a DUI, could eliminate your coverage completely.
The age and overall value of your vehicle will greatly determine how much coverage you need to purchase in order to protect it adequately - and this, in turn, determines how much you will pay for coverage each month.
Minor Car Insurance Factors in Reading
These factors below will also have some influence on your monthly premiums:
Your Marital Status
In general, there is very little difference between what married people and single people are charged for premiums. However, being bundled together on the same policy with your spouse can net you some exceptional discounts!
Most insurance companies can't seem to decide what to charge male and female drivers. The vast majority of companies have stopped charging different rates based on gender altogether. However, those who still do rarely charge more than a 2-4% difference.
Your Driving Distance to Work
As far as commuting in Reading goes, normal drives aren’t too bad, and usually only last between 10 and 15 minutes. However, slightly longer trips lasting as long as 20 minutes have been reported. And the roads are a little clearer than in most cities, since only about 56% of residents insist on driving their own vehicle to work. Around 23-30% carpool, and about 5% walk.
Did you know that insuring a business vehicle will up your premiums by over 10% each month? So try to avoid it if you can. Otherwise, your driving habits - such as yearly mileage, reasons for driving, etc. - will rarely fluctuate more than 3-5%, no matter how you change your behavior.
Your Coverage and Deductibles
Want to know about a quick and easy trick for lowering your monthly rate? Raise your deductible. But save a little money just in case. Because if you don't pay that deductible first, your insurance company won't pay out on any claims.
Education in Reading, PA
Almost 38% of those living in reading have not yet completed all four years of high school, while an additional 37% have completed their diploma or similar equivalent. However, auto insurance companies are beginning to offer increasingly large discounts for drivers who pursue a higher education. If you’ve been thinking about going back to school, completing that degree could give you a bundle of savings.
There are three universities located in Reading which offer bachelor’s degrees to prospective students. Albright College and Alverina University are affiliated with the Methodist and Catholic Churches, respectively. Penn State Berks is associated with the Penn State University system and offers both bachelor’s and associates degrees. For a public option, students can also look into the Reading Area Community College.
Discovering your own financial risk can be very challenging or impossible for the typical insurance consumer. Insurance agencies possess an edge on customers due to their data and experiential knowledge. Uncover the things insurance agencies don’t really want you to find out.
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.
Eager to compare rates? Discover how much you will save!