Consumer Tested Strategies to Save on Belleville Auto Insurance

I can't think of anyone who likes having to buy auto insurance, in particular when the cost is too high.

You have so many to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Policy discounts you shouldn't miss

Companies don't always list all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.

  • Driver Safety - Taking part in a course in driver safety can save you 5% or more if you qualify.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Student in College - Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Life Insurance Discount - Some companies give a discount if you purchase auto and life insurance together.
  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for a substantially lower rate.

It's important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, you're out of luck.

auto insurance in Belleville

Insurance agents can help

When it comes to buying coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different and your policy should reflect that. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Pennsylvania?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?
  • Is my nanny covered when driving my vehicle?

If you can't answer these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Save $429 a year? Really?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies have a common claim that you can save after switching your coverage to them. How does each company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a profitable customer could possibly be a mature driver, a clean driving record, and has excellent credit. A driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards must pay a more expensive rate and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That is how insurance companies can make those claims. This illustrates why you should get a wide range of price quotes. It is impossible to predict which company will have the lowest rates.

Additional Pennsylvania consumer information

Additional detailed information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can discover disciplinary actions, file complaints about a company, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Also read more on this resource for Pennsylvania auto insurance prices and this link which helps you find a Belleville agent.

Pennsylvania auto insurance

The best insurance company isn't always the cheapest

Lower-priced auto insurance can be bought online as well as from independent agents in Belleville, and you need to price shop both to have the best rate selection. Some companies don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with a lesser-known regional company. Regional companies often have lower prices on specific markets compared to the large companies like .

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.