Auto Insurance in Scranton, PA

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Driving in Scranton

Scranton, Pennsylvania, is a growing and affordable area where most households own an average of two vehicles and drive relatively short distances to work, with commutes of less than twenty minutes. That small commute time means most drivers in Scranton primarily use their vehicles for leisure, which is good news for car insurance costs!

We at VIU by HUB want to help you insure those vehicles with the best rates and coverages available.

What to Know About Auto Insurance in Scranton PA

Insurance premiums are calculated according to formulas that vary across companies, but most of them rely on similar factors to arrive at their magic numbers. Understanding what goes into insurance pricing can help you in your decision-making process and in your efforts to keep your premiums as low as possible. Here are some of the factors that are considered when setting rates on auto insurance in Scranton PA:

  • Car make and model: Cars that are commonly stolen are more expensive to insure. Luxury cars also generally carry higher premiums because of their market value and the difficulty in sourcing parts for repairs.
  • Vehicle use: How much you use your vehicle affects the cost of your insurance. Those with long daily commutes will pay higher premiums than those who only drive on weekends for leisure.
  • Age, sex, and marital status: Younger drivers and much older drivers are typically more expensive to insure. Males are also statistically more likely to get in accidents, as are single individuals, so their premiums will generally be higher.
  • Driving record: If you maintain an accident-free driving record and don't rack up a history of filing claims, the premiums on your auto insurance in Scranton PA will be lower than those who cause accidents and accumulate points on their license.
  • Location: Where you live will play a role in your insurance costs. Urban locations tend to have higher traffic volume and instances of theft, resulting in higher premiums than more rural areas.
  • Credit score: While the state of Pennsylvania does not allow insurance companies to raise your rates based on your credit score, it can be used as they assess your initial insurability and set your starting premiums. A high credit score equates to lower insurance costs.

Things You May Not Know About Auto Insurance in Scranton PA

Understanding the factors behind insurance costs is great, but there are many other misconceptions surrounding insurance premiums and coverages that can muddy the water. Here are some commonly misunderstood insurance facts to help you stay clear on your options:

  • Color doesn't matter: Your insurance company doesn't care what color your car is. While some people believe that red cars can be seen more easily by police and therefore get pulled over more frequently than other colored cars, there is no validity to the idea that red cars cost more to insure than any other color.
  • Expiration raises rates: When you allow your insurance policy to lapse, your insurance company sees you as a potential risk. Be prepared for a rate increase when you renew: data shows an 8% increase for a lapse of up to 30 days and a 35% average increase if your policy is 30 days delinquent.
  • Your side hustle might not be covered: Your personal auto insurance policy does not automatically cover you when you are driving for business. Ride-sharing and food delivery services are not covered under your normal policy. Investigate whether you have coverage under your employer or if you need to obtain an umbrella policy.
  • Sharing is caring: Generally speaking, your auto insurance in Scranton PA follows the car, not the driver; so, if you lend someone your car, your insurance should cover an accident if your borrower is at fault. Keep in mind that this may end up raising your insurance rates, so share your vehicle with caution!

This information is intended for general informational purposes only and is not intended to constitute legal advice.