7 Discounts Aliquippa Shoppers Forget when Quoting Car Insurance

Having to pay for overpriced car insurance can drain your checking account and force you to make sacrifices. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. Multiple compete for your business, and because of this it can be hard to compare to get the lowest price

It's important to price shop coverage quite often since rates are constantly changing. If you had the best price last year there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Buying car insurance in Aliquippa is quite easy. Pennsylvania drivers only need an understanding of how to get comparison rates online.

How to Buy Aliquippa Car Insurance Online

Reducing your insurance rates can be surprisingly simple. You just have to spend a few minutes comparing rates provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The fastest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quotation requests for every car insurance company. One form will return price quotes from car insurance companies with the best prices.
A more time consuming way to get quotes online consists of visiting the website for each individual company and fill out their own quote form. For examples sake, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in Aliquippa, click here.
The least efficient way of comparing rate quotes to insurance agents' offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional guidance of a local Aliquippa agent. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

Whichever way you use, make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you use different values for each quote it will be next to impossible to determine the best price in Aliquippa.

Save big with these seven discounts

Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden car insurance savings. If they aren't giving you every credit you deserve, you are paying more than you should be.

Discount for Life Insurance - Larger companies have lower rates if you buy a life insurance policy as well.
Senior Citizens - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
More Vehicles More Savings - Insuring multiple cars or trucks with the same company could earn a price break for each car.
Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
Military Discounts - Having a deployed family member can result in better rates.
Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply up to age 25.

It's important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

To choose companies with the best car insurance discounts in Aliquippa, follow this link.

Car insurance ads bend the truth

Consumers in Pennsylvania can't ignore all the ads for car insurance savings from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing of big savings if you move your policy.

How do they all claim to save you money?

All companies have a preferred profile for the right customer that makes them money. For example, a desirable insured might be over the age of 40, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will have to pay higher prices which usually ends up with the customer not buying. The ads state "people who switch" not "people who quote" save that kind of money. This is how insurance companies can confidently claim big savings. Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your situation could use an agent's help.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Pennsylvania?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

More tips and info about car insurance can be found at the Pennsylvania Insurance Department website. Visitors are able to view agent and company licensing information, learn about insurance regulations, view a list of available companies, and report car insurance fraud.

In the end, you save

When trying to cut insurance costs, never reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

We just covered many ways to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .