Tightwads Instructions on Saving on Akron Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are many Akron consumers feeling the pinch from expensive car insurance.

Lots of contend for your business, so it can be very hard to choose a and uncover the absolute lowest rate

If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. Finding the best rates in Akron is easy if you know what you're doing. But Pennsylvania consumers do need to know the way insurance companies sell insurance online and apply this information to your search.

These discounts can lower your rates

Companies don't list every discount in an easy-to-find place, so we took the time to find both the well known and the more hidden discounts you could be receiving.

Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
Defensive Driver - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy life insurance from them.
Paperwork-free - Some insurance companies may give you up to $50 for buying a policy and signing up on their website.
Service Members Pay Less - Being deployed with a military unit could mean lower rates.
No Accidents - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
Clubs and Organizations - Being a member of certain professional organizations may earn a discount when shopping for car insurance.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
Early Signing - A few companies offer discounts for buying a policy prior to your current policy expiring. This can save 10% or more.

Drivers should understand that some credits don't apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free car insurance policy, companies wouldn't make money that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to better car insurance rates.

Listed below are a few of the "ingredients" car insurance companies consider when setting prices.

Special features that cut premiums - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Do you need those extra coverages? - There are many extra coverages that can waste your money when buying car insurance. Coverages like rental car reimbursement, accident forgiveness and term life insurance are some examples. They may seem like a good idea at first, but if they're wasting money get rid of them and save.
Poor driving leads to higher costs - A bad driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates than bad drivers. Even a single ticket can boost insurance rates forty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
The more you drive the more you pay - The more miles you rack up on your car in a year the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your car insurance policy is showing how each vehicle is driven.
Having a spouse can save you money - Having a spouse can actually save you money on car insurance. Having a significant other means you're more mature than a single person and it's statistically proven that being married results in fewer claims.
Safer cars are cheaper to insure - Safer cars get lower rates. The safest vehicles reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for car insurance? Careers like lawyers, social workers and accountants tend to have higher rates than average attributed to stressful work requirements and long work hours. On the flip side, occupations such as actors, athletes and homemakers receive lower rates.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. They all have a common claim that you'll save big if you switch to their company. How do they all claim to save you money?

Different companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer might be a mature driver, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a higher premium and this can result in the customer not buying. The ads say "people who switch" not "everybody who quotes" save that much. That's the way companies can advertise the savings. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which car insurance company will give you the biggest savings.

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Visitors are able to view a list of available companies, discover disciplinary actions, file complaints about a company, and file complaints about an insurance agent or broker.

Final considerations

Budget-conscious car insurance is available both online and also from your neighborhood Akron agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

We just covered a lot of ways to reduce car insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the best price on car insurance is with an unexpected company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as .