Car Insurance in Bridgeport, PA - 5 Discounts You Might be Forgetting

Buying the lowest cost Bridgeport car insurance over the internet is impossible for beginners to price shopping online. With so many choices of insurers available, how can consumers possibly compare every one to find the best available rates?

If you have insurance now or need new coverage, you can follow these tips to get lower rates and still get good coverage. This article will teach you the most effective way to quote insurance and some tricks to saving. Pennsylvania consumers only need to know the most efficient way to get comparison rates online.

Save big with these 5 discounts

Properly insuring your vehicles can get expensive, but you may find discounts that many people don't even know exist. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
Military Rewards - Being on active duty in the military could mean lower rates.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurance companies offering car insurance discounts in Bridgeport, click here to view.

How to Get Cheap Car Insurance in Bridgeport, PA

Finding cheaper car insurance prices is a fairly straight forward process. You just have to take time to get quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for every car insurance company. A single, simple form compares rates from multiple companies. It's the fastest way to compare.
A different way to get quotes online is going 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 and enter your information, which is why most consumers use the first method. To view a list of companies in Bridgeport, click here.

It's up to you which method you use, but make sure you use exactly the same coverage limits and deductibles with every price quote. If you are comparing different liability limits it will be impossible to find the best deal in Bridgeport.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there really is not a "perfect" insurance 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 is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when pulling a rental trailer?
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 file a claim if it's only slightly more than my deductible?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance ads bend the truth

Consumers can't get away from ads for car insurance savings by companies like Progressive, Allstate and GEICO. They all make an identical promise about savings if you switch to them.

How can each company make the same claim?

All companies have a preferred profile for the type of driver that is profitable for them. A good example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be quoted a more expensive rate and ends up with business going elsewhere. Company advertisements say "people who switch" not "people who quote" save money. This is how companies can truthfully make those claims.

This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

A tidy conclusion

People switch companies for many reasons like high rates after DUI convictions, policy non-renewal, unfair underwriting practices or policy cancellation. Whatever your reason, finding the right car insurance provider is actually quite simple.

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim they didn't purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

You just learned some good ideas how you can compare car insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from an unexpected company.

Additional information can be read on the Pennsylvania Insurance Department website through this link. Consumers can download brochures, view agent and company licensing information, and read consumer alerts.