Consumer Tested Strategies to Save on Bensalem Auto Insurance

Having to pay for overpriced auto insurance can overdraw your personal savings, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet. With so many choices of insurance companies, it is very difficult to find the right company.

Finding the best rates in Bensalem is quite easy. If you have insurance now or need a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. Pennsylvania drivers only need an understanding of the tricks to shop for auto insurance online.

Tips to Get Lower Bensalem Rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

Protect yourself with liability coverage - Liability insurance is the protection if a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Men and women are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
What type of vehicle do you drive? - The performance of the car you are insuring makes a substantial difference in how high your rates are. The lowest rates are for lower performance four cylinder passenger cars, but other factors influence the final cost greatly.
Careful drivers pay lower rates - Only having one moving violation can bump up the cost by twenty percent. Drivers who don't get tickets have lower premiums than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to submit a SR-22 form with their state DMV in order to continue driving.
Do you need those extra coverages? - There are many add-on coverages that you can get tricked into buying on your auto insurance policy. Things like rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
Pay less after the wedding - Having a spouse can actually save you money on your policy. Having a spouse translates into being more mature and responsible and it's proven that married drivers get in fewer accidents.

These discounts can lower your rates

Companies don't always publicize all available discounts very well, so we break down both well-publicized as well as the least known savings tricks you should be using. If you don't get every credit you deserve, you are paying more than you should be.

Multi-car Discount - Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
Accident Waiver - Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.
Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
Good Student Discount - This discount can save 20 to 25%. This discount can apply until age 25.
Organization Discounts - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
Defensive Driver - Taking a course in driver safety could cut 5% off your bill if your company offers it.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.

It's important to understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn't quite work that way.

To choose insurers offering auto insurance discounts in Pennsylvania, click here to view.

Are you falling for claims of savings?

Pennsylvania consumers can't ignore all the ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies make an identical promise of big savings if you switch your coverage to them.

But how can every company make almost identical claims?

Different companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer could possibly be over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile must pay higher premiums and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everybody who quotes" save that much money. This is how insurance companies can confidently advertise the way they do. This illustrates why you should get a wide range of price quotes. It's impossible to know which insurance companies will provide you with the cheapest rates.

More tips and info about auto insurance can be found at the Pennsylvania Insurance Department website. Pennsylvania consumers can find out which companies have the most complaints, learn about insurance regulations, learn about specific coverages, and file complaints about a company.

Other informative sites include this link for Pennsylvania auto insurance quotes and this page for help finding agents in Bensalem, PA.

Best coverage at the best price

Low-cost auto insurance is available online as well as from independent agents in Bensalem, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just read many tips how you can save on auto insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from a small local company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as .

When shopping online for auto insurance, don't be tempted to buy poor coverage just to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.