Scranton Car Insurance

Your Complete Guide to Scranton, PA, Car Insurance

(Connect with a local independent agent in minutes)

Scranton, PA, is known for its innovative industrial plans. When coal declined, Scranton boomed its economy with a growth strategy.

If you drive in this highly economical city of 77,605, then you'll want coverage. An independent insurance agent can find the car policy you need for a price you want. Get connected with a local expert in minutes today.

Auto Insurance Coverage Options in Scranton, PA

Car insurance will have optional coverages that can better protect your assets. Except for liability insurance, additional coverage will need to be added. Take a look at insurance options in Scranton:

  • Tow coverage: This will pay for the tow of a covered auto. 
  • Comprehensive coverage: This will pay for property damage to your car that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your vehicle in the event of a crash.
  • Gap coverage: This pays for the difference between your car loan and your vehicle's market value due to a total loss.
  • Medical payments coverage: This will pay for a smaller medical expense when you're in an at-fault accident.
  • Rental car coverage: This will provide reimbursement for a rental vehicle when your covered auto is damaged. 

To offset any additional premium that optional coverages may incur, consider bundling. When you bundle auto and home insurance, you get a nice discount. Carriers usually award 30% or more in premium savings when they insure multiple coverage lines. Speak with your Scranton independent agent for more details.

Do You Need Uninsured Motorist Coverage in Scranton, PA?

If you want proper protection from drivers without insurance, uninsured/underinsured motorists or UM/UIM coverage is needed. Take a look at the percentage of uninsured drivers: 

  • National average: 13.0%
  • Pennsylvania average: 7.6%

Whether you are insuring an RV or a sedan, you'll want UM/UIM insurance. This will safeguard you and your loved ones from the exposure an uninsured driver brings. UM/UIM will help pay for your expenses if you're in an accident with an uninsured at-fault driver. Discuss your UM/UIM coverage with an independent agent. 

Car Insurance Needed When You Live in Scranton, PA

Most states will require specific insurance policies. The primary coverage that states have control over are:

Take a look at what Scranton, PA, mandates for your auto policy:

  • A minimum liability of $15,000 per person/$30,000 per accident/ $5,000 property damage.  

With the average sales price of a vehicle being over $36,000, state minimum limits are not enough. When a claim occurs, you want to be sure coverage is accurate and sufficient. Connect with a Scranton independent agent to discuss your policy limits.

Crime in Scranton, PA, and Your Auto Insurance

Carriers use a variety of specifications when determining your costs. Local crime is a factor they use when pricing your policy. Let's take a peek at the theft rates across the board:

  • National average: 228.9
  • Pennsylvania average: 102.4
  • Scranton average: 109.2

Theft rates in Scranton are lower, which means your insurance premiums could be too. Whether you're insuring a snowmobile or a truck, crime will impact your costs. Get quotes on your auto coverage today.

The Price of Car Insurance in Scranton, PA

Similar to life insurance, your car insurance is unique to you. Carriers use personal data and the history of each individual to come up with costs. Some rating factors you should be aware of are below:

  • Local crime 
  • The coverages you choose 
  • Your claims history
  • Your credit score
  • Your insurance score
  • Your motor vehicle record (MVR)
  • Policy discounts that may apply 
  • Catastrophes and weather

If you have low activity on MVRs and no accidents, your premiums will be positively impacted. When you're trying to get the most coverage for your money, obtain quotes from a Scranton agent. 

Does Your Auto Policy Cover a Rideshare Exposure in Scranton, PA?

When you are driving for Uber or Lyft, you may have an uncovered exposure. A personal auto policy will not cover rideshare or livery-for-hire services. Here are some questions to ask your Scranton independent agent on rideshare services:

  • Does my current auto policy provide coverage when transporting people, parcels, food, or groceries?
  • Which carriers would provide coverage during rideshare services and when I'm off-duty?

To have adequate protection, you'll need a commercial vehicle policy. This policy will cover your exposure while you are performing business activities. Get with your local independent agent on your commercial insurance coverage.

Find a Scranton, PA, Independent Insurance Agent

If you want exceptional service and coverage at an affordable price, an independent insurance agent can help. They work on your behalf and have access to several carriers. 

An independent agent does the policy shopping for you, giving you cost-saving options. Connect with a local expert on TrustedChoice.com in minutes.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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