The type of vehicle you are buying coverage for is a significant factor when comparing quotes for cheaper car insurance for single moms. Vehicles with high performance, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than more modest models. The next list features coverage premiums for a handful of the most budget-friendly vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,141|
|Ford Explorer Eddie Bauer 2WD||$1,282|
|Ford Escape XLS 2WD||$1,306|
|Honda CR-V EX 4WD||$1,335|
|Chevrolet Malibu LS||$1,352|
|Toyota RAV4 2WD||$1,359|
|Jeep Wrangler Sport 4WD 2-Dr||$1,357|
|Dodge Grand Caravan Crew||$1,379|
|Ford F-150 Lariat Crew Cab 4WD||$1,386|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,379|
|Toyota Corolla XLE||$1,423|
|Nissan Rogue SL 2WD||$1,447|
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in garaging location in Pittsburgh, PA which can impact premium rates considerably.
Based upon the table data, you can expect vehicles like the Honda Accord, Toyota Prius, Ford Explorer, Ford Escape, and Honda CR-V are likely to be a few of the cheapest vehicles to insure for single parents.
Finding reliable, cost effective auto insurance is tough enough, and determining which company quotes the cheapest car insurance rates for single moms calls for additional perseverance.
Each company has a proprietary formula to establish rates, so we’ll take a look at the lowest cost car insurance companies in Pittsburgh, PA. Keep in mind that Pennsylvania car insurance rates are based on many factors that can increase the price of your policy. Price variation is why it is important to shop around with many companies when trying to find affordable insurance rates for single moms. Car insurance prices are impacted by many factors and change substantially, so the most affordable company the last time you shopped around may now be quite expensive.
Cheap Insurance Rates for Single Moms
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,411|
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General Casualty quotes some of the lowest car insurance rates in Pittsburgh at around $740 annually. USAA, Travelers, Penn National, and Erie are also some of the more affordable Pittsburgh, PA auto insurance companies.
In the rate table above, if you currently have a policy with Penn National and switched to General Casualty, you may see a yearly price reduction of in the vicinity of $68. Customers with Erie may save as much as $76 a year, and Auto-Owners insureds might reduce rates by $223 a year.
If you want to see how much you could save, click here or visit any of the companies below.
These rates are averaged across all types of insureds and vehicles and and are not figured with a vehicle location for single moms. So the car insurance company that has the cheapest rates for you may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own individual information.
One of the more important considerations that aid in calculating the amount you pay for auto insurance is where you live. Larger areas will most likely have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The table below shows the most costly cities in Pennsylvania for single moms in which to purchase auto insurance. Pittsburgh is ranked #9 having an annual price of $1,095 for car insurance, which is approximately $91 each month.
|Rank||City||Premium Per Year|
|12||Municipality of Monr||$1,059|
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Price information shown is approximated as specific location information can affect coverage rates noticeably.
Tickets and at-fault accidents raise rates
The easiest way to enjoy the cheapest car insurance premiums in Pittsburgh for single parents is to drive carefully and not receive tickets or have accidents. The illustration below demonstrates how traffic citations and fender-benders can drive up premium costs for different ages of insureds. The premiums assume a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,429. Add in two speeding tickets and the average cost rises to $1,906, an increase of $478 each year. Then add in one accident along with the two speeding tickets and the yearly cost of car insurance for single moms jumps again to an average of $2,390. That’s an increase of $961, or $80 per month, just for not driving responsibly!
Cost difference between full coverage and liability
Paying less for car insurance should be important to the majority of people, and an easy way to lower the cost of insurance for single moms is to not buy full coverage. The chart below visualizes the comparison of annual premium costs with and without full coverage. Data assumes a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs an extra $2,572 per year more than carrying just liability coverage. At some point, about every driver wonders if it’s worth it to buy full coverage. There is no exact formula for phasing out physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for full coverage, then you may need to consider dropping full coverage.
Your cheap policy may actually be overpriced
Pittsburgh car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Turning one year older, moving to a new city, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being more affordable than others.
In addition to those changes, companies file new rates as often as every three months to ensure their profitability. Higher than normal claims may cause rate increases, while a lower level of claims can produce cheaper Pittsburgh car insurance rates.
To help illustrate this point, the data below shows the companies that have the cheapest car insurance in Pittsburgh, PA for a 45-year-old male driver with no prior claims, no tickets, and a decent credit rating. When quoting prices based on his current risk profile, General Casualty quotes the most affordable car insurance rates in Pittsburgh at $879 a year. This is $778 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie are also included in the cheapest Pittsburgh, PA auto insurance companies.
The next chart shows rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a few traffic violations. Since each auto insurance company has a different formula to determining premium rates, analyzing rates may now result in a new list of cheap Pittsburgh auto insurance companies as shown below.
Amica now has the best price on car insurance in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and Erie now rounding out the top five. This example demonstrates why consumers need to perform a complete rate comparison to find the most budget-friendly insurance quotes for single moms.
Prices are made up of many risk factors and can change without notice, so the cheapest rate the last time you shopped around may now be an over-priced policy.
The Pittsburgh car insurance agencies listed below can aid you in deciding which is the best policy, as lots of people like to have a little guidance when comparing insurance rates for single moms. It can be difficult to find the cheapest rates, so getting advice from a licensed agent can provide you comfort knowing your policy gives you adequate coverage when you need it most.
To find an agent near you, click the link at the bottom.
Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995
Mike Dudenas – State Farm Insurance Agent
901 Castle Shannon Blvd – Pittsburgh, PA 15234 – (412) 561-5012
Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622
Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700
Spodek Insurance Agency, Inc.
4349 Murray Ave – Pittsburgh, PA 15217 – (412) 521-8600