Tightwads Guide to Saving on Bethlehem Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.
Because you have many different company options, it's difficult to locate the lowest cost insurance company.
Policy discounts you shouldn't miss
Auto insurance companies don't always advertise every discount very well, so the following is a list of some of the best known and the more hidden auto insurance savings.
- Claim Free - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
- Clubs and Organizations - Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance.
- Federal Government Employee - Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.
- Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
It's important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.
Save $429 a year? Really?
Auto insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing that you can save if you move your coverage to them. But how can every company say the same thing?
Insurance companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as between 25 and 40, has no driving citations, and has great credit. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.
Consumers who don't qualify for this ideal profile will be quoted higher prices which usually ends up with business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can advertise the savings. This emphasizes why you should quote coverage with many companies. It's not possible to predict which auto insurance company will give you the biggest savings.
Learn more about Pennsylvania auto insurance
Additional detailed information can be read at the Pennsylvania Insurance Department website. Pennsylvania drivers can read industry bulletins, find out which companies have the most complaints, download brochures, and read consumer alerts.
Also read more on this online resource for auto insurance quotes in Pennsylvania and this list of insurance agents in Bethlehem.
The best insurance company isn't always the cheapest
Lower-priced auto insurance is definitely available on the web as well as from independent agents in Bethlehem, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and these small insurance companies work with independent agents.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.
