Getting the Cheapest Albrightsville Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are many Albrightsville consumers feeling the pinch from expensive car insurance.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to compare prices every six months because rates are constantly changing. Even if you think you had the lowest rates two years ago you can probably find a better price now. Starting right now, block out anything you think you know about car insurance because you're going to learn the tricks you need to know to find lower rates on car insurance.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Albrightsville is easy if you know what you're doing. But Pennsylvania car owners do need to know the way companies market insurance on the web and use this information to your advantage.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the "ingredients" used by your company to calculate rates.

Pay less if you're married - Having a spouse helps lower the price on your policy. It translates into being more mature than a single person and it's statistically proven that being married results in fewer claims.
Liability coverage is peace of mind - Your policy's liability coverage provides coverage if ever you are found to be at fault for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Choose a safe vehicle and save - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and fewer injuries means lower claim amounts and more competitive rates for policyholders.
How's your driving record? - Your driving citation history has a huge affect on how much you pay. Drivers who don't get tickets receive lower rates than their less careful counterparts. Even one ticket can bump up the cost forty percent or more. Drivers who have dangerous citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Your stress level may be raising your rates - Jobs such as lawyers, business owners and dentists have the highest average rates attributed to stressful work requirements and lots of time spent at work. Other occupations like actors, historians and retirees get better rates.
More claims means more premium - If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance companies in Pennsylvania award cheaper rates to people who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.

Policy discounts you shouldn't miss

Companies offering auto insurance don't necessarily list all their discounts in a way that's easy to find, so we break down some of the more common and the more hidden savings tricks you should be using.

Sign Online - A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
Organization Discounts - Belonging to a civic or occupational organization is a good way to get lower rates on car insurance.
Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Discount for Good Grades - This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Claim Free - Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if offered at their school.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

To choose companies with discount car insurance rates in Albrightsville, click here to view.

Save $429 a year? Really?

Car insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to make an identical promise that you'll save big if you change your coverage to them. How can each company make the same claim?

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a desirable insured could be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. A customer who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money and ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can state the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.

Learn more about Pennsylvania car insurance

More detailed Pennsylvania car insurance information can be found at the Pennsylvania Insurance Department website. Consumers can get help finding coverage, find out which companies have the most complaints, find disaster information, and file complaints about a company.

Shop smart and save

Discount car insurance is attainable from both online companies as well as from independent agents in Albrightsville, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at an affordable rate.