Did you know that owning the right type of car can give you substantial savings on your Pennsylvania car insurance quote? Since insurance companies will shoulder the costs of repairing a car damaged in an accident, as well as people damaged in it, cars which cost more to repair and have fewer safety features that can help prevent injuries are charged a higher Pennsylvania auto insurance rate. The Insurance Institute for Highway Safety produces a yearly list of Top Safety Picks which conducts safety tests and lists cars that do the best job protecting people in accidents. Among the cars that made the 2010 list are the 2010 Toyota Highlander, 2011 Kia Sorento, Toyota Highlander, 2011 Jeep Grand Cherokee and GMC Terrain.
The Highway Loss Data Institute also offers lists of cars which have the most and least expensive claims for injury and collision. In general, the cars with the lowest injury claims are the larger models, while the smaller two and four-door cars are the ones with the highest claims. Models which record the lowest collision claims include the GMC 2500, Acura RSX, Ford Excursion 2-wheel drive and the Lexus IS 300 4-door. If your car is one of these models, you could get lower Pennsylvania auto insurance quotes. On the other hand, cars with the most expensive claims include Kia Spectra 4-doors, GMC Yukon XL 1500 4-wheel, Suzuki Esteem 4-door and Chevrolet Silverado.
Another factor that affects your Pa. auto insurance quote is if your car is among the most favored by carjackers. The National Insurance Crime Bureau conducts studies showing the most-frequently stolen cars and while the list changes often, some models continue to make perennial appearances. These include the Ford F-150, Acura Integra, Nissan Sentra, Toyota Corolla, Toyota Pickups, Toyota Camry and Honda Accord. Also according to the NICB, the cars which have the most expensive theft claims include the Lincoln Navigator, Cadillac Escalade and the Chevrolet Corvette Convertible, while those with the least expensive claims are Mercury Grand Marquis 4-four, Buick LeSabre and the Volvo V70 Station Wagon.
But having the right type of car is not the only way to ensure that you get the most affordable Pa. auto insurance rate. You also have to maintain a good driving record since bad drivers will be charged higher premiums. In fact, you can even qualify for discounts if you voluntarily sign up for accredited driver safety and defensive driving classes. You can also get a discount on your Pa. auto insurance if your mileage falls below the average annual mileage set by your insurance company. If you take out a no-lapse policy, you might also be eligible for a discount on your premiums, provided you renew promptly and avoid cancellations.
Finally, if you have a motorcycle, taking out Pennsylvania motorcycle insurance could be more affordable if you bundle it with your automobile insurance. You might also be able to get lower rates if you have safety equipment such as helmets which comply with the Department of Transportation’s Federal Motorcycle Vehicle Safety Standards.