Your auto insurance premium is based on countless components like your age, driving record and credit score, just to name a few. It seems as though there are more ingredients that go into determining your Pennsylvania auto insurance rates than those you can stuff into a Stromboli.

It's Unpredictable
Pennsylvanians paid an average of $820 for their auto insurance in 2007, according to the Insurance Information Institute. Which county you live in has a huge impact on how high or low your Pennsylvania auto insurance rates will be. For example, a resident of Centre County could pay as low as $438 for their full-coverage insurance whereas Philadelphia County dwellers are hard pressed to find a price under $1,000 for the same insurance. Motor vehicle thefts and congestion play a big role in these differentials. According to the FBI's 2008 Crime in the United States report, there were 9,058 motor vehicle thefts in The City of Brotherly Love. If you compare that number to the two reported thefts in Bellefonte, it's no wonder Pennsylvania auto insurance rates are so fickle. Plus, higher congestion means bigger premiums because your chances of theft, vandalism and car accidents are greater. Philly's 2008 population was 1,441,117 while Bellefonte had 6,166 residents. Enough said.

Foreseeable Savings
Pennsylvania requires drivers to purchase liability insurance in the minimum amounts of $15,000 for injury or death of one person per accident, $30,000 for injury or death of more than one person per accident, and $5,000 for property damage. You may be required by your car loan provider to have full-coverage insurance so your Pennsylvania auto insurance premiums will cost a bit more than liability insurance. But whether you reside in Pittsburgh, Allentown or anywhere else in The Keystone State, you can find savings on your Pennsylvania auto insurance rates. Most companies offer concessions to senior citizens, good students, those who carpool, and those who maintain a clean driving record. Anti-theft devices not only protect your vehicle, but they can shield you from high-priced rates. If you use theft deterrents like an audible alarm, a steering column collar, a smart key, or a tracking device, you can expect to see significant savings on your auto insurance.

Freedom of Choice
Take the liberty of researching Pennsylvania auto insurance on your own or use a free service like LocalInsurance to do the work for you. Whether you need to purchase a new policy or you're thinking of switching up the one you already have, by taking the time to fill out a quick and easy form on LocalInsurance.com you'll get several quotes from insurance companies that match your profile.

To find more information on the auto insurance requirements in Pennsylvania, visit these useful links: