6 Guaranteed Tips to Slash Car Insurance Costs in Ardmore, PA
Finding lower rates for Ardmore car insurance is difficult for beginners to buying insurance online. You have so many options that it can quickly become a big hassle to compare prices in Ardmore.
Choosing the best insurance company for you in Ardmore is not that difficult. Essentially every vehicle owner who carries car insurance will be able to reduce their rates. Although Pennsylvania consumers do need to know the way insurance companies sell online and take advantage of how the system works.
Don't pay full price with these six discounts
Companies that sell car insurance don't always publicize every discount very well, so here is a list both the well known and the more hidden savings tricks you should be using.
- Driver's Ed - Have your child successfully complete driver's ed class if offered at their school.
- Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Homeowners Pay Less - Simply owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
- Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
- Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Senior Citizens - Mature drivers may receive better car insurance rates.
A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it's possible to get free car insurance, you won't be that lucky.
To see a list of insurance companies with discount car insurance rates in Pennsylvania, click here to view.
Compare the Market for Car Insurance in Ardmore
Performing a rate comparison can take time and effort if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Ardmore, or you can utilize online quotes for quick rates.
Many insurance companies enroll in a system that enables customers to submit one quote, and at least one company provides a quote based on the submitted data. This saves time by eliminating repetitive form submissions to each individual car insurance company.
To submit your quote information now, click to open in new window.
The only downside to using this type of system is you are unable to specify which carriers to get quotes from. So if you want to select specific providers to compare, we put together a list of low cost car insurance companies in Pennsylvania. Click here to view list.
It's up to you which method you use, but double check that you are using apples-to-apples quote information on every quote. If each company quotes mixed coverages it will be next to impossible to make a fair comparison in Ardmore. Quoting even small variations in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes gives you a better chance of getting a better price.
The car insurance bait and switch
Car insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all make an identical promise about savings if you change to their company. But how can every company claim to save you money?
All companies can use profiling for the driver that is profitable for them. An example of a driver they prefer might be a mature driver, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.
Consumers who don't measure up to this ideal profile will be quoted higher rates and ends up with the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.
Shop smart and save
People leave their current company for many reasons like extreme rates for teen drivers, lack of trust in their agent, delays in paying claims or denial of a claim. Regardless of your reason, finding the right car insurance provider is actually quite simple.
The cheapest car insurance can be sourced both online and also from your neighborhood Ardmore agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
When shopping online for car insurance, don't be tempted to reduce coverage to reduce premium. There have been many situations where an insured dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.
Even more information is available at the Pennsylvania Insurance Department website. Visitors are able to download brochures, view a list of available companies, and report car insurance fraud.
Additional helpful sites include this site for car insurance rates in Pennsylvania and this list of insurance agents in Ardmore, PA.
