Car Insurance in Buckingham, PA - 6 Discounts You Might be Missing

If online car insurance comparisons are new to you, it's easy to get confused by the hoards of car insurance companies selling insurance in Buckingham.

car insurance in Buckingham

Be sure to get all your discounts

Companies don't always advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden car insurance savings.

  • Defensive Driver - Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Federal Employees - Simply working for the federal government may qualify you for a discount depending on your company.
  • Auto/Home Discount - When you have multiple policies with one company you may earn approximately 10% to 15%.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky.

For a list of insurers offering car insurance discounts in Buckingham, follow this link.

Vehicle Insurance Comparison

There are several ways to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance agencies in Buckingham, or you can utilize the web to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company provides a quote. This eliminates the need for quote requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is you are unable to specify the companies to get pricing from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in Pennsylvania. Click here for list of insurance companies in Pennsylvania.

Whichever way you use, be sure to compare the exact same coverage limits and deductibles for each price quote. If you compare different liability limits it will be next to impossible to truly determine the lowest rate in Buckingham. Just a small difference in coverages may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding the best rates.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there is no "best" method to buy coverage. Each situation is unique.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form.

Shop smart and save

Cheaper car insurance can be found both online as well as from independent agents in Buckingham, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just covered many ways to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with a company that doesn't do a lot of advertising.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.