Top 6 Ways to Pay Less on Car Insurance in Athens

Consumers not familiar with buying insurance online will find shopping for the cheapest Athens car insurance quite difficult.

It's important to check car insurance prices occasionally since rates are constantly changing. Even if you think you had the best deal last year there may be better deals available now. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the only way to save money, get proper coverage and the best rates.

Athens car insurance comparison

More discounts equal less premium

Companies that sell car insurance don't necessarily list all their discounts in a way that's easy to find, so here is a list some of the more common and also the lesser-known car insurance savings.

  • College Student - Children who live away from home and don't have a car may be able to be covered for less.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Federal Employees - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts up to 30%.

It's important to note that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you're out of luck.

For a list of companies with discount car insurance rates in Athens, follow this link.

Finding Car Insurance Deals in Athens, PA

Most major insurance companies allow you to get prices for coverage online. Getting quotes is fairly straightforward as you just type in your coverage preferences into the quote form. Once entered, their rating system will obtain credit information and your driving record and gives you a price quote determined by many factors.

Online quotes makes comparing rates easy, but the process of having to visit multiple sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to do this in order to find a lower rate.

A more efficient way to get multiple rate quotes is to use a quote form that gets price quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much easier to do. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To find out how much you're overpaying now, click here and submit the form. If you have a policy now, it's recommended you replicate deductibles and limits exactly as shown on your declarations page. This helps ensure you will have a rate comparison based on identical coverages.

It's not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • What are Pennsylvania no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Affordable insurance is out there

When trying to cut insurance costs, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.

Lower-priced car insurance is attainable from both online companies and with local Athens insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

You just learned a lot of information how to get a better price on car insurance. It's most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies.