8 Discounts Lancaster Drivers Forget when Buying Car Insurance

Scraping up a payment for overpriced car insurance can empty your personal savings and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Companies like GEICO and Progressive continually hit you with advertising and consumers find it hard to sift through the bull and find the best price available.

If you are insured now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance in Lancaster is easy if you know what you're doing. New Hampshire vehicle owners just need to know the proper methods to get comparison rates online.

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Compare Car Insurance Today

Reducing your insurance rates is a fairly straight forward process. You just have to spend a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for boring form submissions for each company. A single, simple form will return price quotes from all major companies.
  2. A more time consuming way to get quotes online consists of visiting the website of each company and request a quote. For example, we'll assume you want comparison quotes from , and . You would have to visit each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Lancaster, click here.
  3. The least recommended way of comparing rate quotes is to spend time driving to insurance agents' offices. The internet eliminates the need for an insurance agent unless you have a need for the personal advice of a licensed agent. However, consumers can find lower rates online and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but make sure you use exactly the same deductibles and coverage limits with every price quote. If you compare different values for each quote you will not be able to find the best deal in Lancaster.

Save big with these eight discounts

Insuring your fleet can be pricey, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically prior to getting the savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Save with a New Car - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Government Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Multiple Policy Discount - If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Low Mileage Discounts - Keeping the miles down can earn discounted rates on garaged vehicles.

Drivers should understand that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

To choose insurance companies with the best car insurance discounts in Lancaster, click here to view.

Car insurance ads bend the truth

Consumers in New Hampshire can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all make an identical promise that you'll save big if you move to them.

How can each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer might be between 30 and 50, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be quoted a more expensive rate and ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save money. This is how companies can state the savings.

This emphasizes why you need to compare many company's rates. It's just too difficult to predict which insurance companies will have the lowest rates.

But I don't know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different so your insurance should reflect that These are some specific questions can help discover if your situation might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in New Hampshire?
  • Should I buy additional glass protection?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Much more information about car insurance in New Hampshire can be found on the website for the New Hampshire Insurance Department. Click here for link. Visitors are able to view a list of available companies, file complaints about an insurance agent or broker, download brochures, and view agent and company licensing information.

New Hampshire car insurance quotes

A tidy conclusion

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

Budget-conscious car insurance is possible both online and with local Lancaster insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.