Lancaster Auto Insurance For Less Than You're Paying Now

Finding lower rates for Lancaster auto insurance is challenging for people who are new to buying insurance online. There are so many companies to choose from that it can be a real challenge to compare prices in Lancaster.

It's important to take a look at other company's rates once or twice a year since insurance rates are constantly changing. Even if you think you had the best rates a few years ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the web, but we're going to give you some great ways to stop overpaying for insurance.

Lancaster auto insurance quote

Don't pay full price with these discounts

Companies offering auto insurance don't list every available discount very well, so the following is a list of some of the best known and also the lesser-known auto insurance savings.

  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Driver's Ed - Require your teen driver to take driver's ed class if offered at their school.
  • Safety Course Discount - Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Multi-policy Discount - When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Good Students Pay Less - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.

A little note about advertised discounts, most credits do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

For a list of providers with discount auto insurance rates in Virginia, follow this link.

Fast and Easy Lancaster Auto Insurance Quotes

There are multiple methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in Lancaster, or you could use online quoting to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to submit one quote, and each participating company can give them a price determined by their information. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is you cannot specify the companies you want to price. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write auto insurance in Virginia. Click here to view list.

Which method you use is up to you, but double check that you are using apples-to-apples coverage limits for each price quote. If your comparisons have differing limits then you won't be able to truly determine the lowest rate in Lancaster. Just a small difference in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding better pricing.

Affordable insurance is out there

As you shop your coverage around, do not sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Consumers leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, questionable increases in premium and unfair underwriting practices. Regardless of your reason, finding a new auto insurance company is not as hard as you think.

Cheaper auto insurance is attainable on the web and also from your neighborhood Lancaster agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.