10 Tips to Save on Car Insurance in Bernville

Are you tired of scraping the payment together each month for car insurance? You are no different than many other drivers in Pennsylvania. Numerous battle for your hard-earned dollar, so it's not easy to compare every to discover the definitive lowest price

It's important to compare rates before your policy renews since rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to save money.

More discounts equal less premium

Companies that sell car insurance don't list all their discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts you could be receiving. If they aren't giving you every credit available, you're paying more than you need to.

Homeowners Pay Less - Owning a house in Bernville can save you money due to the fact that maintaining a home shows financial diligence.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
55 and Retired - Mature drivers may be able to get better car insurance rates.
Multiple Vehicles - Having multiple vehicles on the same car insurance policy qualifies for this discount.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
No Accidents - Claim-free drivers pay much less as compared to bad drivers.
College Student - Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Drive Less and Save - Fewer annual miles could be rewarded with a substantially lower rate.
Student Driver Training - Have your child complete a driver education course if it's offered in school.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.

To see a list of companies who offer car insurance discounts in Bernville, click here.

How to Compare Bernville Car Insurance Rates

Most companies such as State Farm, GEICO and Progressive provide prices on their websites. Getting quotes is quite easy as you just type in into the quote form. Once you submit the form, their rating system will obtain reports for credit and driving violations and gives you a price quote determined by many factors. Quoting online simplifies rate comparisons, but the process of having to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find a lower rate.

The preferred way to lower your car insurance bill is to use a quote form that gets price quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes quoting online much easier to do. As soon as you send your information, it gets priced and you can select any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you type in your coverages as close as possible to your current policy. This makes sure you will receive rate comparison quotes based on the exact same insurance coverage.

Switch companies and save? Really?

Consumers can't get away from ads for the lowest price auto insurance by State Farm, GEICO and Progressive. They all seem to have a common claim about savings after switching to their company.

How do they all make the same claim? This is how they do it.

Insurance companies can use profiling for the driver that is profitable for them. For instance, a desirable insured could be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will get the preferred rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will have to pay higher premiums and this can result in business going elsewhere. The ads state "drivers who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

A tidy conclusion

Cheaper car insurance can be bought from both online companies and also from your neighborhood Bernville agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When shopping online for car insurance, never reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.

Learn more today

Even more information is located at the Pennsylvania Insurance Department website. Consumers can report car insurance fraud, read industry bulletins, read enforcement actions against agents and companies, and find out industry alerts.