Top Ways to Save on Bryn Mawr Car Insurance

Are you tired of being strong-armed each month for car insurance? You are no different than the majority of other car owners in Pennsylvania. Multiple compete for your business, so it's not easy to compare every to get the lowest rate

It's important to price shop coverage once or twice a year due to the fact that insurance rates are constantly changing. Just because you found the best rates last year there is a good chance you can find better rates now. You can find a lot of wrong information about car insurance online, so I'm going to show you some great ways to reduce your car insurance bill.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with better car insurance rates.

The following are some of the items that factor into rates.

Women pay lower rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
Save money with special equipment - Driving a car with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Being married is a good thing - Getting married can get you a discount on car insurance. It usually means you are more responsible and statistics show drivers who are married are more cautious.
Do you need the policy add-ons? - There are a ton of extra bells and whistles that you can buy when buying car insurance. Coverages like vanishing deductibles, towing coverage and membership fees are some examples. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
Bundling policies can get discounts - Many insurance companies will give a discount to insureds who have multiple policies with them. It's known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you're getting this discount it's still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be collision with another vehicle, collision with an animal, or theft. The deductibles are how much you are required to spend before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
Bad driving skills means higher rates - Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records get better rates compared to drivers with tickets. Even a single moving violation may increase your cost by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Fast and Easy Bryn Mawr Car Insurance Quotes

Reducing your insurance rates can be surprisingly simple. Consumers just need to take a couple of minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The fastest way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This type of form saves time by eliminating separate forms for each company. Taking the time to complete one form gets you price quotes from several companies.
A slightly less efficient method to shop for car insurance online requires visiting each company's website to complete a price quote. For example, let's assume you want rates from , and . You would have to visit each site and enter your policy data, which is why the first method is quicker.

For a list of links to companies insuring cars in Bryn Mawr, click here.

However you get your quotes, double check that you are using the exact same quote information with each company. If you compare mixed coverages then you won't be able to make an equal comparison in Bryn Mawr.

Policy discounts you shouldn't miss

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If they aren't giving you every credit available, you are paying more than you should be.

Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.
Payment Method - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Sign Online - Some insurance companies may give you up to $50 for buying your policy on their website.
Driver Safety - Taking a defensive driving course could save 5% or more if your company offers it.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
Homeowners Pay Less - Owning a house in Bryn Mawr can save you money due to the fact that maintaining a home demonstrates responsibility.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky.

To choose companies who offer car insurance discounts in Bryn Mawr, click here.

Save $429 a year? Really?

Consumers in Pennsylvania can't ignore all the ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings after switching your policy.

How do they all claim to save you money? It's all in the numbers.

Different companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be a mature driver, has no tickets, and has great credit. Any driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and this can result in the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully advertise the savings. Because of the profiling, you need to get quotes from several different companies. You cannot predict the company that will give you the biggest savings.

Even more information can be read at the Pennsylvania Insurance Department website. Visitors are able to learn about insurance regulations, view a list of available companies, get help finding coverage, and discover disciplinary actions.

Best coverage at the best price

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the best price.

Cheaper car insurance can be sourced both online in addition to many Bryn Mawr insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.