Free Guide to Paying Less for Boyertown Auto Insurance Online

Are you tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other Pennsylvania drivers.

Because there are so many insurance companies to choose from, it's nearly impossible to locate the cheapest insurance company.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Just because you found the best deal last year a different company probably has better rates today. So forget all the misinformation about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all their discounts very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving.

New Vehicle Savings - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
No Accidents - Claim-free drivers can earn big discounts as compared to drivers who are more careless.
One Accident Forgiven - Some insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims for a set time period.
Passive Restraints and Air Bags - Factory air bags can receive discounts up to 30%.
Sign Online - A few companies give back up to $50 just for signing your application online.

It's important to note that some credits don't apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you're out of luck.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Lower miles equals lower premium - Driving more miles every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on their usage. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, social workers and stock brokers tend to have the highest rates in part from high stress and long work days. On the other hand, occupations like farmers, students and performers receive lower rates.
Women pay lower rates - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Young males tend to get in the most accidents and therefore are the most expensive to insure.
Poor credit can mean higher rates - Credit history is a huge factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
Having a spouse can save you money - Being married can get you a discount on auto insurance. It means you're more mature it has been statistically shown that drivers who are married are more cautious.
Don't cancel a policy without a new one in place - Letting your insurance expire will be a guaranteed way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage may earn you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
A clean driving record saves money - Your driving citation history has a big impact on rates. Just one speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to have a common claim that you can save after switching to their company. But how can every company say the same thing? This is how they do it.

Insurance companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be profiled as over the age of 50, is a homeowner, and drives newer vehicles. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will have to pay a higher premium and this can result in business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can claim big savings. Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict the company that will give you the biggest savings.

Learn more today

Additional detailed information is available at the Pennsylvania Insurance Department website. Pennsylvania drivers can file complaints about an insurance agent or broker, read industry bulletins, learn about insurance regulations, and find out industry alerts.

Also read more on Auto Insurance 101 and this page where you can research Boyertown insurance agents.

Final considerations

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. In many instances, an accident victim reduced liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Lower-priced auto insurance can be sourced on the web and also from your neighborhood Boyertown agents, and you should be comparing both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.