Adamstown Car Insurance For Less Than You're Paying Now

Finding lower rates for Adamstown car insurance is a challenge for consumers not familiar with comparing rates online. Consumers have so many choices that it can be a lot of work to find lower rates in Adamstown.

It's important to check car insurance prices before your policy renews because rates are constantly changing. If you had the best rates two years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to reduce your car insurance bill.

Choosing the best insurance company for you in Adamstown is quite easy. Essentially every vehicle owner who has to buy car insurance stands a good chance to be able to lower their premiums. Nevertheless, Pennsylvania car owners do need to know how the larger insurance companies determine prices.

What determines how much you pay?

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with better car insurance rates.

  • Sex matters - The statistics show women tend to be less risk to insure than men. However, don't assume that women are better drivers. Men and women cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.
  • Rates may be lower depending on your job - Jobs such as real estate brokers, social workers and stock brokers tend to pay the highest rates attributed to job stress and long work hours. On the other hand, jobs such as farmers, students and the unemployed have the lowest average rates.
  • Your car's features help determine rates - Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Better credit means lower rates - Credit rating is a large factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit ratings. Therefore, if your credit rating can use some improvement, you could save money insuring your by improving your rating.
  • The type of vehicle makes a difference - The make and model of the vehicle you own makes a big difference in your rates. The most favorable rates are for small economy passenger cars, but other factors influence the final cost greatly.
  • More miles equals more premium - The more you drive every year the more you will pay for car insurance. Most companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects the correct driver usage.
  • Better crash test results mean better rates - Safer cars get lower rates. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that you can buy on your policy. Things like personal injury protection, towing coverage and motor club memberships are some examples. They may seem good at first, but if you don't need them remove them from your policy.

Adamstown car insurance comparison

How to Compare Adamstown Car Insurance Rates

Shopping for lower car insurance rates can be exhausting if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Adamstown, or you can utilize the web to get the quickest rates.

Most of the larger companies participate in an industry program that enables customers to complete one form, and each company then gives them pricing. This prevents consumers from doing quote requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers to receive prices from. So if you prefer to pick individual companies to request quotes from, we have a listing of low cost car insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

However you get your quotes, ensure you're using apples-to-apples deductibles and coverage limits for every quote you compare. If you are comparing different values for each quote it will be next to impossible to determine the best price in Adamstown. Slightly different coverage limits can make a big difference in price. And when price shopping your coverage, quoting more provides better odds of finding better pricing.

Don't pay full price with these discounts

Auto insurance companies don't list all their discounts very well, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • 55 and Retired - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Accident Free - Claim-free drivers pay less as compared to accident-prone drivers.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Sign Early and Save - A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Air Bag Discount - Factory air bags can receive discounts of up to 25% or more.
  • Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Life Insurance Discount - Larger companies have a break if you buy life insurance from them.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, companies don't profit that way.

To choose companies with the best car insurance discounts in Pennsylvania, click here.

The car insurance bait and switch

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim of big savings if you move to them. But how can every company make the same claim?

Different companies can use profiling for the type of driver that makes them money. A good example of a desirable insured could be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. A customer that hits that "sweet spot" gets the lowest rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save money. That's why insurance companies can confidently state the savings. Because of the profiling, you need to quote coverage with many companies. Because you never know the company that will give you the biggest savings.

More tips and info about car insurance can be read at the Pennsylvania Insurance Department website. Consumers can learn about insurance regulations, read industry bulletins, and view a list of available companies.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Adamstown.

Affordable insurance is out there

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced full coverage and found out when filing a claim 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.

Drivers who switch companies do it for many reasons like denial of a claim, high rates after DUI convictions, unfair underwriting practices or even policy cancellation. Regardless of your reason, finding the right car insurance provider is easier than you think.

We just showed you a lot of techniques to compare car insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from a company that doesn't do a lot of advertising.