The vehicle to be insured is one of the primary factors when quoting affordable car insurance for unemployed drivers. Vehicles with higher performance, poor safety features, or a history of substantial liability claims will cost much more to insure than more modest models.
The information below estimates insurance costs for some of the most cost-effective automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$1,182|
|Honda CR-V EX-L 4WD||$1,218|
|Honda Accord EX 4-Dr Sedan||$1,227|
|Chevrolet Equinox LS AWD||$1,288|
|Chevrolet Malibu Hybrid||$1,296|
|Toyota RAV4 Limited 4WD||$1,288|
|Ford Escape Limited 4WD||$1,295|
|Honda Odyssey LX||$1,304|
|Toyota Tacoma Double Cab 4WD||$1,312|
|Dodge Grand Caravan CV||$1,333|
|Chevrolet Impala LTZ||$1,356|
|Jeep Grand Cherokee SRT-8 4WD||$1,380|
|GMC Sierra SLT Extended Cab 4WD||$1,388|
|Chevrolet Silverado LT Regular Cab||$1,382|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,403|
|Toyota Camry LE||$1,410|
|Ford Focus SE 4-Dr Sedan||$1,417|
|Ford Edge SEL 2WD||$1,427|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$1,450|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in Pittsburgh, PA location which can impact prices substantially.
Based upon the table data, we can expect models like the Hyundai Elantra, Toyota Prius, and Honda CR-V are likely to be the cheapest vehicles to insure for the unemployed.
For the unemployed, one of the largest components that aid in calculating car insurance rates is where you keep your vehicle. Regions with more people or even just more weather-related claims tend to have higher rates, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.
The following table sorts the most expensive places in Pennsylvania for unemployed drivers to buy an auto insurance policy in. Pittsburgh shows up at #10 having an annual price of $1,085 for the average policyholder, which is about $90 monthly.
|Rank||City||Average Per Year|
|14||Municipality of Monr||$1,059|
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Rates are estimated as specific Pittsburgh garaging address can increase or decrease premium rates substantially.
Determining which company has the most affordable car insurance rates for unemployed drivers will require a little more work than just comparing a company or two. Every car insurance company has their own unique process to determine rates, so we’ll go over the overall cheapest car insurance companies in Pennsylvania.
Best Cheap Insurance Rates for Job Seekers
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,454|
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General Casualty generally has some of the cheapest car insurance rates in Pittsburgh at around $740 a year. USAA, Erie, Travelers, and Penn National would also make the list of some of the more affordable Pittsburgh, PA car insurance companies.
In the above rates, if you are currently insured with Erie and switched to General Casualty, you could realize annual savings of in the neighborhood of $60. Customers with Travelers could save as much as $63 a year, and Penn National insureds might realize rate reductions of up to $92 a year.
If you want to find out if you’re overpaying, click here to get a free quote or feel free to get quotes from the companies below.
It’s important to note that these policy rates are averaged across all drivers and vehicles in Pennsylvania and and are not figured with an exact zip code location for unemployed drivers. So the auto insurance company that fits you best may not even be in the top 30 companies in the list above. That is why you need to get quotes using your own individual information.
The chart below shows how choosing a deductible can affect insurance rates when getting quotes for cheap insurance for unemployed drivers. The data assumes a married female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower their policy premium by $226 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $340 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, can cut $558 each year just by choosing larger deductibles. When raising deductibles, it will be important to have enough funds in savings to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Picking a high-quality company can be a challenge considering how many companies there are to choose from in Pennsylvania. The rank data listed below can help you analyze which insurers you want to consider shopping your coverage with.
The rankings below include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Pennsylvania will not be included in this list. To view rates from these top insurers and more, just click here.
Top 10 Major Auto Insurance Providers Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
How to find cheaper insurance for unemployed drivers
The list below summarizes many penny-pinching ideas that can help drivers find lower-cost coverage.
- Higher credit ratings may save you money
- At-fault accidents can raise rates significantly
- If your vehicles are older, consider dropping full coverage
- Buy safe vehicles
- Increase your deductibles
- Do not get traffic tickets
- Look for cheaper rates once a year by shopping around
The last tip is especially vital, as we emphasized in this write-up. Auto insurance rates change constantly, so don’t be hesitant to change insurance companies if you can find a cheaper rate.
Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you money that could be spent on other things. It only takes a couple minutes to compare prices to find cheaper auto insurance for unemployed drivers in Pittsburgh.
The agents below can most likely aid you in deciding which insurance coverage you need, since lots of drivers aren’t clear which coverage they need and would like to have a little guidance when comparing insurance rates for the unemployed. It can be complicated to find the best rates on your own, and insurance agents can bring peace of mind knowing your policy gives you decent coverage if you have a claim.
To locate a Pittsburgh auto insurance agent near you, click the button following the list or click here to compare price quotes.
Casto Insurance Agency
1900 Painters Run Rd – Pittsburgh, PA 15241 – (412) 257-4300
Preston and Grafton Insurance Agency
2012 Murray Ave – Pittsburgh, PA 15217 – (412) 586-7340
Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014
Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448