6 Discounts Butler Shoppers Forget when Shopping for Car Insurance

If you are a novice to online car insurance shopping, it's easy to get confused by the vast number of car insurance companies offering insurance in Butler.

It's important to compare rates occasionally since rates are constantly changing. If you had the lowest price a few years ago you may be paying too much now. Ignore everything you know about car insurance because you're about to find out one of the easiest ways to find better coverage at a better price.

Finding Car Insurance in Butler, PA

Most major insurance companies allow you to get prices online. Getting quotes is quite easy as you just type in your coverage preferences as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and returns a price based on these and other factors.

Online quotes simplifies rate comparisons, but having to visit many different websites and type in the same information is monotonous and tiresome. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

A less time-consuming method to get multiple rate quotes is to use a quote form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. As soon as you send your information, it is rated and you are able to buy your choice of the returned quotes. If the quotes result in lower rates, it's easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you enter the insurance coverages exactly as shown on your declarations page. This way, you will have rate quotes based on similar coverages.

Are you getting all your discounts?

Companies do not advertise all their discounts in a way that's easy to find, so we researched both the well known and the more hidden savings tricks you should be using.

  • Accident Forgiveness - A handful of insurance companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • Save with a New Car - Insuring a new car can save up to 30% since new cars are generally safer.

It's important to note that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like it's possible to get free car insurance, you're out of luck.

For a list of companies with the best car insurance discounts in Butler, click here to view.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

For instance, these questions might point out whether you could use an agent's help.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Do I have coverage for damage caused while driving under the influence?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form.

Additional detailed information is located at the Pennsylvania Insurance Department website. Visitors are able to learn about insurance regulations, read consumer alerts, and download brochures.

Butler car insurance quote

Shop smart and save

Lower-priced car insurance is possible both online and also from your neighborhood Butler agents, and you need to comparison shop both to have the best selection. Some car insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

When shopping online for car insurance, it's not a good idea to reduce needed coverages to save money. In many cases, an insured cut liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate.

People who switch companies do it for many reasons like denial of a claim, policy non-renewal, extreme rates for teen drivers and unfair underwriting practices. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.