5 Ways You Can Buy Car Insurance for Less in Bradford

Purchasing affordable Bradford car insurance online may be intimidating for consumers not familiar with comparison shopping online. Since there are so many online companies available, how can consumers have a chance to compare every company to locate the best available price?

Finding the best rates in Bradford is easy if you know what you're doing. If you have car insurance now, you will be able to cut costs considerably using this strategy. But Pennsylvania car owners do need to know the way companies sell online because it can help you find the best coverage.

These 5 discounts can lower your rates

Companies don't always advertise all available discounts very well, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.

Drivers should understand that some credits don't apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way.

Different people need different coverages

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in Pennsylvania?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Pennsylvania?
  • Should I buy additional glass protection?
  • Do I really need UM/UIM coverage?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Are you falling for claims of savings?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies have a common claim that you'll save big after switching to their company. But how can every company make the same claim?

All companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer could be between the ages of 30 and 50, has no prior claims, and has a short commute. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher rates and this can result in business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that much. This is how companies can make the claims of big savings. This illustrates why drivers should compare many company's rates. It's just too difficult to predict which insurance companies will fit your personal profile best.

Learn more about car insurance in Pennsylvania

More detailed Pennsylvania car insurance information is located at the Pennsylvania Insurance Department website. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, and learn about insurance regulations.

Also read more on this page for Pennsylvania car insurance and this page for help finding agents in Bradford, PA.

Pennsylvania car insurance quotes

Do the work, save more money

Budget-conscious car insurance can be sourced from both online companies and also from your neighborhood Bradford agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, delays in paying claims, denial of a claim and even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.