Proven Techniques to Save on Bedminster Auto Insurance

Paying for high-priced auto insurance can empty your checking account and put the squeeze on your family's finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Because you have many choices, it can be challenging to pick the most cost effective insurance company.

Save big with these discounts

Companies offering auto insurance don't always advertise every discount very well, so we took the time to find some of the best known and the more hidden discounts you could be receiving.

Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
Senior Discount - Mature drivers may receive better auto insurance rates.
Multiple Cars - Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
Distant Student - Youth drivers who attend school more than 100 miles from home and don't have a car may qualify for this discount.
Paperwork-free - Certain companies give back up to $50 for buying your policy online.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurance companies with discount auto insurance rates in Pennsylvania, click here.

How to Buy Bedminster Auto Insurance Online

There are several ways to compare rate quotes from local Bedminster auto insurance companies. The best method to find the cheapest insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate forms for every auto insurance company. One form gets you price quotes from several companies.
A harder way to get quotes online requires a trip to the website of each company and request a quote. For sake of this example, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Bedminster, click here.

Whichever method you choose, make darn sure you compare apples-to-apples quote information with every price quote. If you enter mixed coverages it will be next to impossible to find the best deal in Bedminster. Slightly different coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding a better price.

Bedminster Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

Do you work long hours in a high stress job? - Careers like lawyers, social workers and stock brokers tend to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, professions such as pilots, students and retirees receive lower rates.
Mature drivers pay less - Teenage drivers in Pennsylvania have a tendency to be careless and easily distracted when driving so auto insurance rates are higher. If you've ever had to add a youthful driver to your auto insurance policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
Increase deductibles and save - The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Bundling policies can get discounts - Some insurance companies provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to ensure the best deal.
Having a spouse can save you money - Having a spouse helps lower the price on auto insurance. Having a significant other means you're more responsible and it's statistically proven that married drivers get in fewer accidents.

But I don't know anything about car insurance

When choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.

Why am I required to get a high-risk car insurance policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?
Why does it cost so much to insure a teen driver in Bedminster?
Does my liability insurance cover pulling a trailer or camper?
Does my personal policy cover me when driving my company car?
Should I rate my vehicle as pleasure use or commute?

If you can't answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim about savings if you change to their company. But how can every company say the same thing?

All companies have a preferred profile for the driver that is profitable for them. For example, a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and has great credit. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be quoted a more expensive rate and this can result in business not being written. The ad wording is "people who switch" not "people who quote" save that much. This is how companies can truthfully advertise the savings. This emphasizes why drivers must get as many quotes as possible. It's not possible to predict which insurance companies will give you the biggest savings.

Final considerations

As you prepare to switch companies, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Cheaper auto insurance can be sourced on the web and also from your neighborhood Bedminster agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

More sites with auto insurance information

Even more information can be found at the Pennsylvania Insurance Department website. Pennsylvania drivers can read industry bulletins, read enforcement actions against agents and companies, report car insurance fraud, and read consumer alerts.

Additional helpful sites include this online resource for auto insurance quotes in Pennsylvania and this list of insurance agents in Bedminster.