Car Insurance in Brogue Pennsylvania - 9 Discounts You Might be Unaware of

Paying for high-priced car insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to lower your monthly bill. There is such a variety of to pick from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but companies offer discounts that many people don't even know exist. Most are applied when you complete an application, but a few need to be inquired about before they will apply. If you're not getting every credit you deserve, you are paying more than you should be.

  • Multi-car Discount - Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Auto/Home Discount - If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Government Employees - Employees or retirees of the government may qualify you for a discount depending on your company.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education in school.
  • Defensive Driver - Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • Good Student Discount - This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • 55 and Retired - If you're over the age of 55, you may qualify for a discount up to 10%.
  • Organization Discounts - Belonging to a qualifying organization could trigger savings when buying car insurance.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

To choose insurers offering car insurance discounts in Pennsylvania, click this link.

How can Allstate, GEICO and Progressive save drivers who switch?

Consumers can't ignore all the ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make the same claim about savings if you switch your policy.

How does each company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the right customer that makes them money. For example, a profitable customer could be over the age of 40, has no prior claims, and has great credit. Any new insured who matches those parameters will get the preferred rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher rates which leads to business going elsewhere. The ads state "customers who switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully advertise the savings.

This illustrates why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every situation is different so this has to be addressed. For instance, these questions can help discover whether you could use an agent's help.

  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed 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.

Learn more about car insurance in Pennsylvania

Additional information can be found on the website for the Pennsylvania Insurance Department found here. Consumers can report car insurance fraud, view agent and company licensing information, find out industry alerts, and read consumer alerts.

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

Pennsylvania car insurance quotes

A tidy conclusion

Cheaper car insurance can be found from both online companies in addition to many Brogue insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, make sure you don't buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.