The words “bargain” and “insurance” really shouldn’t be used together, specifically when you are looking for the cheapest coverage for welfare recipients. Because of the high cost, let’s take a look at a few of the things that can significantly affect car insurance premiums, and come up with some ways to reduce the price of your next policy.
The vehicle on the policy is one of the primary factors when trying to find low-cost coverage for welfare recipients. Vehicles with average performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The list below outlines auto insurance prices for a handful of the most budget-friendly vehicles to insure in Pennsylvania.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,156|
|Ford Escape XLS 4WD||$1,265|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,270|
|Ford F-150 FX2 Super Cab 2WD||$1,297|
|Toyota Tacoma 2WD||$1,345|
|Toyota RAV4 Limited 2WD||$1,372|
|Chevrolet Equinox LT AWD||$1,381|
|GMC Sierra SLE Crew Cab 2WD||$1,372|
|Volkswagen Jetta S 2.5 Station Wagon||$1,377|
|Ford Explorer Limited AWD||$1,398|
|Dodge Grand Caravan CV||$1,469|
|Honda Odyssey EX W/Rear Entertainment||$1,507|
|Ford Edge Limited 2WD||$1,513|
|Hyundai Elantra Blue 4-Dr Sedan||$1,553|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,566|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$1,572|
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in your specific Pittsburgh, PA location which can modify premium rates greatly.
By looking at the data, we can expect makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, and Toyota Prius should be some of the more affordable vehicles to insure for drivers on welfare.
Finding reliable, low-priced car insurance is confusing at best, and determining which companies quote the cheapest auto insurance rates for welfare recipients requires a bit more work.
Every insurance company has a different process to establish rates, so we need to take a look at the most budget-friendly auto insurance companies in Pittsburgh. It’s important that you understand Pennsylvania auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Turning one year older, buying a new vehicle, or getting a few speeding tickets can cause premium changes that can now make some companies higher-priced than before.
Best Auto Insurance Prices in Pennsylvania
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,439|
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General Casualty has some of the lowest car insurance rates in Pittsburgh at around $718 per year. This is $939 less than the average premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National would also be considered some of the more affordable Pittsburgh, PA auto insurance companies.
In the rate table above, if you are insured with Penn National and switched to Travelers, you may see annual savings of approximately $21. Policyholders with Auto-Owners might save as much as $182 a year, and Atlantic States customers might see rate reductions of $205 a year.
To find cheaper insurance rates for your vehicle, click here to start your custom quote or visit any of the companies below.
It’s important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact location for welfare recipients. So the auto insurance company that has the cheapest price for you may not even be in the top 30 companies shown above. That underscores the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
One of the more important components that are looked at to help calculate insurance cost is your zip code. Cities with more crime and/or more people tend to pay more, whereas more rural areas benefit from lower coverage costs.
The following table ranks the most expensive cities in Pennsylvania for welfare recipients in which to purchase auto insurance. Pittsburgh comes in at #9 with a yearly cost of $1,095 for the average policy, which is approximately $91 per month.
|10||Municipality of Monr||$1,081|
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Premium costs are approximated as specific Pittsburgh zip code can affect rates substantially.
The example below shows how different deductible levels can increase or decrease annual premium costs when quoting cheap insurance for welfare recipients. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could lower their policy premium by $354 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $532 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, have the ability to save $908 every year just by using higher deductibles. If you do raise deductibles, it will now be necessary to have enough in a savings account to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Pennsylvania auto insurance company ratings
Picking a highly-rated auto insurance provider is difficult considering how many different companies there are to choose from in Pittsburgh. The company information shown below could help you choose which companies you want to consider comparing rates from.
These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into these rankings. To compare rates from many more Pennsylvania auto insurance companies, follow this link.
Top 10 Large Car Insurance Companies in Pittsburgh Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
Top 10 Large Car Insurance Companies in Pittsburgh Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- State Farm
- Erie Insurance
How to get discounts on Pittsburgh auto insurance rates
Car insurance companies that provide coverage for welfare recipients may also offer price discounts that can reduce rates by as much as 35% or more if you meet the requirements. A few popular companies and their offered discounts include:
- Progressive offers discounts including online quote discount, multi-policy, continuous coverage, good student, online signing, multi-vehicle, and homeowner.
- AAA has savings for education and occupation, multi-car, anti-theft, AAA membership discount, good student, and pay-in-full.
- Farmers Insurance policyholders can earn discounts including good student, distant student, electronic funds transfer, youthful driver, and teen driver.
- GEICO includes discounts for good student, membership and employees, multi-vehicle, multi-policy, seat belt use, and driver training.
- Esurance may offer discounts for multi-car, safety device, good driver, online shopper, claim free, and anti-lock brakes.
- SAFECO offers premium reductions for teen safety rewards, drive less, anti-theft, anti-lock brakes, safe driver, accident prevention training, and teen safe driver.
- State Farm offers discounts for accident-free, driver’s education, passive restraint, good driver, and good student.
The diagram below visualizes the comparison of premium costs with and without discounts being applied to the rates. The data is based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, safe-driver, multiple policy, homeowner, vehicle safety, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for welfare recipients is 28% or $501.
If you wish to get some help when shopping for cheaper insurance for welfare recipients, the agents listed below can probably help you determine which policy is best. To locate a Pittsburgh auto insurance agent by location nearest to you, click the button link following the list.
Donna Fleming – State Farm Insurance Agent
11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995
Steve Long – State Farm Insurance Agent
2830 W Liberty Ave – Pittsburgh, PA 15216 – (412) 531-5600
Masters Insurance Services
1719 Ardmore Blvd – Pittsburgh, PA 15221 – (412) 351-2448
Liberty Insurance Agency
1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700