Car Insurance in Andreas, PA - 7 Discounts You Might be Losing Out On

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you. Popular companies such as GEICO and Progressive persitently shower you with ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you can learn to find the best rates and still get good coverage. Finding affordable coverage in Andreas is quite easy. Pennsylvania drivers only need an understanding of the most effective way to compare prices online.

How much can you save with these seven discounts?

Companies offering auto insurance don't always advertise all available discounts in a way that's easy to find, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you aren't receiving every discount possible, you are throwing money away.

Clubs and Organizations - Belonging to a civic or occupational organization may earn a discount when buying car insurance.
Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
Auto/Home Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
Federal Government Employee - Active or retired federal employment can save as much as 8% depending on your company.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
55 and Retired - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

Consumers should know that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies don't profit that way.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies have a common claim of big savings if you switch your coverage to them.

How can each company make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. A good example of a profitable customer could be a mature driver, has no tickets, and has great credit. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements must pay more money and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently advertise the savings. This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

More tips and info about car insurance can be read at the Pennsylvania Insurance Department website. Consumers can find out which companies have the most complaints, discover disciplinary actions, read consumer alerts, and download brochures.

Best coverage at the best price

Cost effective car insurance can be found from both online companies as well as from independent agents in Andreas, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. In too many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.