Free Guide to Paying Less for Blue Bell Car Insurance Online

Nobody likes having to buy car insurance, particularly when they are paying too much. You have so many to pick from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

Tips to Get Lower Blue Bell Rates

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

What are your deductibles? - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The more expense you have to pay, the lower your rates will be.
Bad driving skills means higher rates - Drivers who don't get tickets get better rates than their less careful counterparts. Even one moving violation can bump up the cost twenty percent or more. Drivers with dangerous tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
Where you live can impact rates - Living in a rural area is a positive aspect when talking about car insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
Extra coverages can waste money - There are quite a few additional coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and additional equipment coverage may be costing you every month. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.

Vehicle Insurance Comparison

Performing a rate comparison can take time and effort if you don't understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Blue Bell, or you could use online quoting to get prices fast.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit their information once, and each company returns a rated price based on that information. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you prefer to choose specific providers to request quotes from, we put together a list of companies who write car insurance in Pennsylvania. Click here to view list.

It's up to you which method you use, but be sure to compare identical quote information for every quote you compare. If the quotes have mixed coverages then you won't be able to determine the best price in Blue Bell.

Be sure to get all your discounts

Companies that sell car insurance do not list all available discounts very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you're not getting every credit you qualify for, you are paying more than you should be.

Homeowners Savings - Owning a home in Blue Bell can help you save on car insurance because maintaining a house demonstrates responsibility.
Good Student - This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
Multiple Cars - Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Senior Citizens - If you're over the age of 55, you may receive a small decrease in premiums.
Safety Course Discount - Completing a defensive driving course can save you 5% or more if your company offers it.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To choose insurers with discount car insurance rates in Pennsylvania, click here to view.

Is there truth in advertising?

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

How does each company claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that makes them money. A good example of a profitable customer might be between the ages of 40 and 55, a clean driving record, and has a short commute. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay higher prices and ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully make the claims of big savings. This illustrates why you need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn't really a perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions may help highlight whether or not you will benefit from professional help.

When do I need to add a new car to my policy?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Even more information can be read at the Pennsylvania Insurance Department website. Visitors are able to report car insurance fraud, file complaints about a company, view agent and company licensing information, and discover disciplinary actions.

Other informative sites include this page for Pennsylvania car insurance and this page for help finding agents in Blue Bell, PA.

A tidy conclusion

Cheaper car insurance can be sourced both online as well as from independent agents in Blue Bell, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don't offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just presented some good ideas how you can compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. In too many instances, someone dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.