Brentwood Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the wide range of car insurance companies in Brentwood? Many other drivers are as well. Drivers have so many options available that it can turn into a challenge to compare prices.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. This article will tell you the most effective way to quote insurance. But Pennsylvania car owners do need to know the methods companies use to price insurance differently.

More discounts equal less premium

Companies don't list every discount in a way that's easy to find, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • No Accidents - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Driver Safety - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way.

Switch companies and save? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all have a common claim that you'll save big after switching to their company. How can each company make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer that hits that "sweet spot" is entitled to the best price and therefore will save when they switch companies.

Potential insureds who do not match the requirements will be quoted more money and this can result in business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's the way companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. Because you never know which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

More detailed Pennsylvania car insurance information can be read at the Pennsylvania Insurance Department website. Consumers can read industry bulletins, discover disciplinary actions, and file complaints about an insurance agent or broker.

car insurance in Brentwood

The best insurance company isn't always the cheapest

Drivers change insurance companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, delays in paying claims and even extreme rates for teen drivers. It doesn't matter why you want to switch finding the right car insurance provider is less work than it seems.

Discount car insurance can be purchased from both online companies and also from your neighborhood Brentwood agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.