Car Insurance in Burgettstown - 9 Discounts You Might be Forgetting

Are you sick and tired of being strong-armed each month for car insurance? You're in the same situation as the majority of other car owners in Pennsylvania. Since consumers have many companies to choose from, it can be impossible to pick the best car insurance company.

It's important to price shop coverage once or twice a year since rates are constantly changing. Even if you got the best deal on your last policy the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because we're going to show you the only way to lower your annual insurance bill.

Buying the cheapest coverage in Burgettstown is simple if you know the tricks. If you have insurance now or need new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Pennsylvania drivers only need an understanding of the proper methods to get comparison quotes online.

Take advantage of discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don't even know exist. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit. If you don't get every credit available, you're paying more than you need to.

  • 55 and Retired - Mature drivers may qualify for a discount up to 10%.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Early Signing - Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Payment Discounts - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • New Car Discount - Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • One Accident Forgiven - Some insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Drive Less and Save - Driving fewer miles can qualify you for better rates on cars that stay parked.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of companies offering car insurance discounts in Pennsylvania, click this link.

Burgettstown car insurance comparison

Compare the Market for Car Insurance in Burgettstown

Finding cheaper car insurance prices can be surprisingly simple. Just take time comparing rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form eliminates the need for separate quote forms to each individual car insurance company. Taking the time to complete one form compares rates from many national carriers.
  • A different way to compare rate quotes is going to each company's website and fill out their own quote form. For instance, let's assume you want rates from , and . To find out each rate you need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in Burgettstown, click here.
  • The hardest way to compare rates is to spend time driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed agents. Drivers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just double check that you are using apples-to-apples coverage limits and deductibles for every quote you compare. If you use different liability limits it's impossible to determine the best price in Burgettstown.

Are car insurance companies telling the truth?

Consumers can't get away from ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim of big savings if you switch your policy.

But how can every company make the same claim?

All the different companies can use profiling for the right customer that is profitable for them. An example of a desirable insured could be between 30 and 50, has no tickets, and has great credit. Any new insured who matches those parameters is entitled to the best price and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay higher prices which leads to business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That's why insurance companies can confidently advertise the savings.

Because of the profiling, drivers must quote coverage with many companies. It's just too difficult to predict the company that will fit your personal profile best.

And the best car insurance company is...

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford.

You just learned many ideas to compare car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .

compare Burgettstown car insurance rates

More Pennsylvania car insurance information

Additional car insurance information is available on the website for the Pennsylvania Insurance Department located here. Consumers can learn about insurance regulations, view a list of available companies, find out industry alerts, and file complaints about a company.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Burgettstown.