Free Guide to Paying Less for Pennsylvania Auto Insurance Online

Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say there are many people just like you.

Lots of companies contend to insure your vehicles, so it’s not easy to compare every company and uncover the absolute best price available. It is always a good idea to take a look at other company’s rates periodically because prices are variable and change quite frequently. Despite the fact that you may have had the best price six months ago you can probably find a lower rate today.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, Pennsylvania car insurance buyers must know how the larger insurance companies price insurance differently.

Take discounts and save

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but some must be requested specifically prior to getting the savings.

• Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Homeowners Discount – Simply owning a home can help you save on auto insurance because maintaining a house demonstrates responsibility.
• Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
• Federal Government Employee – Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
• Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
• No Charge for an Accident – A few companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Paperwork-free – A handful of insurance companies will give a small break for buying your policy on their website.
• Claim Free – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
• Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

But buying car insurance online seems impersonal

Some people would rather visit with an insurance agent and that is a personal choice. The biggest benefit of getting online price quotes is you may find the best rates but also keep your business local. And providing support for local insurance agencies is definitely important in smaller rural communities.

After filling out this quick form, the coverage information is emailed to local insurance agents who will battle to get your business. There is no need to leave your house because quoted prices will be sent directly to your email. How cool is that?! You can find better rates and an insurance agent to talk to.

If you wish to contact a specific insurance agent in Pennsylvania, click here.

Don’t be fooled by advertising claims

Auto insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all make an identical promise about savings if you change your coverage to them. How do they all make the same claim? Here’s the trick they use.

All the different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer could be between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A customer getting a price quote who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t meet the “perfect” profile will be quoted a higher premium and ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully advertise the savings.

This emphasizes why drivers must compare as many rates as you can. It’s impossible to know which auto insurance company will fit your personal profile best.

Additional links for auto insurance information

Additional information can be read on the website for the Pennsylvania Insurance Department through this link. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, find disaster information, and get help finding coverage.

A little work can save a LOT of money

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, someone dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at an affordable rate while still getting proper protection

You just learned many ways to compare auto insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. These companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.