Blakeslee Car Insurance For Less Than You're Paying Now

Shopping for cheap Blakeslee car insurance over the internet can be impossible for consumers new to price shopping online. With so many choices of insurers available, how can you possibly compare the different rates to find the best available rates?

Save big with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but some must be specially asked for prior to getting the savings.

Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Multiple Cars - Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
Distant Student - Kids in college who live away from home and don't have a car may qualify for this discount.
Paperwork-free - Certain companies may give you up to $50 just for signing your application over the internet.

It's important to note that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you're out of luck. But any discount will bring down your overall premium however.

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

How to Get Cheap Car Insurance in Blakeslee, PA

There are several ways of comparing rates from local Blakeslee car insurance companies. The best method to find the cheapest insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

The best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for multiple quote forms for every car insurance company. A single, simple form gets you price quotes from multiple low-cost companies. It's definitely the quickest method.
A slightly less efficient method to get quotes online requires a trip to the website of each company and request a quote. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in Blakeslee, click here.
The least recommended way of getting rate comparisons is to waste gas driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you prefer the professional advice of a local Blakeslee agent. However, consumers can obtain prices from the web and still use a local agent and you'll learn how to do that later.

It's up to you which method you use, but make sure you use identical quote information with every price quote. If your comparisons have mixed coverages it will be impossible to find the best deal in Blakeslee. Quoting even small variations in limits may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes helps you find a better price.

You have some control over your rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that will entitle you to lower car insurance prices.

Shown below are some of the factors car insurance companies consider when setting prices.

Too many car insurance claims drive up costs - If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Companies in Pennsylvania award lower rates to drivers who are claim-free. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
The more you drive the more you pay - The higher the mileage driven in a year's time the higher your rate. Most insurance companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your car insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
Higher deductibles cost less - Deductibles for physical damage define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
Rural vs Urban Areas - Residing in a rural area can save you money when talking about car insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
Mature drivers pay less - Youthful drivers in Pennsylvania have a tendency to be careless and easily distracted when driving so they pay higher car insurance rates. Adding a young driver to your car insurance policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.

But I don't know anything about car insurance

When choosing proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

These are some specific questions can help discover if your situation might need an agent's assistance.

Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
What are the financial responsibility laws in Pennsylvania?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all make an identical promise that you can save if you change to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that is profitable for them. An example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any driver who meets those qualifications receives the best rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted a more expensive rate and ends up with the customer not buying. Company advertisements say "people who switch" not "people who quote" save that much. This is how insurance companies can state the savings.

This emphasizes why drivers must quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

Shop smart and save

People leave their current company for many reasons like high rates after DUI convictions, delays in paying claims, lack of trust in their agent or not issuing a premium refund. Whatever your reason, finding the right car insurance provider is actually quite simple.

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

Lower-priced car insurance can be sourced both online and also from your neighborhood Blakeslee agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

More information is available on the Pennsylvania Insurance Department website through this link. Visitors are able to download brochures, file complaints about an insurance agent or broker, and report car insurance fraud.

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