Free Guide to Spending Less for Bear Creek Twp Auto Insurance Online

Scraping up a payment for overpriced auto insurance can overdraw your checking account and put a big crunch on your finances. Doing a price comparison is a smart way to help make ends meet.

Numerous battle for your insurance dollar, and because of this it can be hard to compare to get the lowest rate

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Bear Creek Twp is easy if you know what you're doing. But Pennsylvania vehicle owners do need to know the way companies sell online and use this information to your advantage.

Don't pay full price with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Paperwork-free - A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Government Employees - Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • New Vehicle Savings - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Clubs and Organizations - Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts can get savings of more than 20%.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will cut your premiums.

compare Bear Creek Twp auto insurance rates

Tips to Get Lower Bear Creek Twp Rates

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

The following are a few of the "ingredients" used by your company to calculate prices.

  • Theft deterrents lower rates - Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
  • Marriage pays dividends - Having a spouse can get you a discount when buying auto insurance. Having a significant other translates into being more mature than a single person and it's proven that married drivers get in fewer accidents.
  • Safer cars are cheaper to insure - Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.
  • Never go without insurance - Having an insurance coverage lapse will be a quick way to bump up your auto insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, architects and accountants have higher rates than average because of stressful work requirements and lots of time spent at work. On the flip side, jobs such as pilots, athletes and performers get better rates.
  • Women pay lower rates - Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both cause accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you'll save big after switching your coverage to them. How do they all say the same thing?

All the different companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A propective insured who fits that profile will get very good rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted higher premiums which usually ends up with business not being written. The ads say "customers that switch" not "everyone that quotes" save that much money. This is how companies can make those claims.

This emphasizes why drivers should get as many quotes as possible. It's not possible to predict which insurance companies will have the lowest rates.

For more Pennsylvania auto insurance information

Much more information about auto insurance in Pennsylvania can be found on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can view a list of available companies, get help finding coverage, find disaster information, and find a variety of consumer forms.

Shop smart and save

Budget-conscious auto insurance can be sourced on the web as well as from independent agents in Bear Creek Twp, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.

While you're price shopping online, you should never skimp on coverage in order to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.