Tightwads Guide to Saving on Bartonsville Auto Insurance

Tired of not being able to afford each month for car insurance? You're in the same situation as many other drivers in Pennsylvania.

Having so many auto insurance companies to choose from, it's difficult to choose the lowest cost company.

Comprehensive Auto Insurance Comparison in Bartonsville

There are several ways you can shop for auto insurance but there is one way that is more efficient than others. You could spend your day discussing policy coverages with agents in Bartonsville, or you can stay home and use online quotes to get the quickest rates.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to getting quotes like this is that you can't choose which companies to get quotes from. So if you want to select from a list of companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in Pennsylvania. View list of Pennsylvania insurance companies.

However you get your quotes, double check that you are using apples-to-apples coverages for each comparison quote. If each company quotes different limits and deductibles on each one it will be very difficult to determine the lowest rate in Bartonsville. Slightly different limits may result in a large different in cost. It's important to know that getting more free quotes provides better odds of finding lower pricing.

You have some control over your rates

It's important that you understand the factors that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

  • Rates may be higher depending on your occupation - Careers like judges, social workers and stock brokers tend to have the highest rates in part from high stress and long work days. On the other hand, occupations like farmers, students and the unemployed receive lower rates.
  • Claim-free discounts can add up - Companies in Pennsylvania generally give discounts to drivers who are claim-free. If you file claims often, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Consolidate policies to earn discounts - The majority of insurance companies provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to shop around to ensure the best deal. Consumers may find better rates by splitting coverages up.
  • Lower miles equals lower premium - The more you drive every year the higher your rate. Most insurance companies price each vehicle's coverage based on their usage. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Optional equipment can affect rates - Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Add-on coverages can add up - There are a lot of extra bells and whistles that can waste your money if you aren't careful. Things like vanishing deductibles, accident forgiveness and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they're wasting money remove them from your policy.
  • How credit affects auto insurance rates - Having a bad credit rating is a huge factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit can use some improvement, you could be paying less to insure your by improving your rating.

Be sure to get all your discounts

Companies do not advertise every discount very well, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • No Accidents - Claim-free drivers pay much less when compared to frequent claim filers.
  • Driver's Ed - Require your teen driver to successfully complete driver's ed class in high school.
  • Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you may reduce your total bill.

It's important to note that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, you're out of luck.

For a list of insurance companies with the best auto insurance discounts in Pennsylvania, click here.

Additional detailed information is located at the Pennsylvania Insurance Department website. Pennsylvania drivers can read industry bulletins, download brochures, read consumer alerts, and file complaints about an insurance agent or broker.

Other useful links include this online resource for auto insurance quotes in Pennsylvania and this list of insurance agents in Bartonsville.

compare Bartonsville auto insurance rates

Affordable insurance is out there

When shopping online for auto insurance, do not reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Lower-priced auto insurance is definitely available on the web and also from your neighborhood Bartonsville agents, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and these small, regional companies work with independent agents.