How to Find Cheaper Beaver Springs Car Insurance

Finding better rates for Beaver Springs car insurance is a challenge for consumers not familiar with comparison shopping online. Drivers have so many options available that it can easily become more work than you anticipated to find the best price in Beaver Springs.

It's important to compare prices once or twice a year because rates are constantly changing. Even if you got the best rates last year you can probably find a better price now. There is a lot of bad information regarding car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with better car insurance rates.

Pay less if you're married - Getting married can actually save you money on your policy. It translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
Multiple policies with one company can save - Most insurers will give a discount to policyholders who buy several policies from them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you're getting this discount it's in your best interest to comparison shop to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and burglary. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more expense you have to pay, the less your company will charge you for insurance.
How's your driving record? - Your driving citation history impacts your car insurance rates tremendously. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Even one moving violation can bump up the cost by twenty percent. Drivers who have serious citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
Liability coverage is cheap - Liability insurance will protect you if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
Battle of the sexes - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Men and women cause accidents at a similar rate, but the males cause more damage. They also receive more costly citations such as reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.

More discounts equal less premium

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don't even know exist. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them.

Homeowners Pay Less - Owning a house in Beaver Springs can help you save on car insurance because owning a home demonstrates responsibility.
Lower Rates for Military - Being on active duty in the military could mean lower rates.
Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Good Students Pay Less - This discount can save 20 to 25%. The good student discount can last until age 25.
One Accident Forgiven - A few companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut your premiums.

To choose companies offering car insurance discounts in Beaver Springs, click here to view.

Switch companies and save? Really?

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise about savings if you switch your coverage to them. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the type of customer that makes them money. A good example of a desirable insured could be a mature driver, has no tickets, and drives newer vehicles. A customer who meets those qualifications will get very good rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will have to pay more money and ends up with business going elsewhere. The ads say "drivers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully claim big savings.

Because of the profiling, you should get quotes from several different companies. Because you never know the company that will give you the biggest savings.

Additional information can be read on the Pennsylvania Insurance Department website. Click here for link. Consumers can get help finding coverage, view a list of available companies, and read consumer alerts.

Final considerations

Cheaper car insurance can be found from both online companies as well as from independent agents in Beaver Springs, and you need to price shop both in order to have the best chance of saving money. A few companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.

People switch companies for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, policy cancellation or even lack of trust in their agent. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

When trying to cut insurance costs, never buy poor coverage just to save money. In many cases, an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price.