Proven Techniques to Save on Camp Hill Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your savings account and put a big crunch on your finances. Doing a price comparison is a great way to help make ends meet.

With so many choices, it can be hard to find the cheapest insurance company.

The purpose of this article is to help you learn how car insurance quotes work and some tips to save money. If you currently have car insurance, you will be able to save some money using these methods. But Pennsylvania drivers do need to know the way insurance companies compete online and take advantage of how the system works.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting prices.

  • Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Careers like doctors, social workers and stock brokers tend to have the highest rates because of stressful work requirements and long work hours. On the other hand, professions such as pilots, students and performers receive lower rates.
  • With age comes lower rates - Teen drivers in Pennsylvania are known to be careless and easily distracted when driving so auto insurance rates are higher. Having to add a young driver to your auto insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Traffic violations increase rates - Even one speeding ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to keep their license.
  • Increase deductibles and save - The deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
  • Having a spouse can save you money - Being married can get you a discount on auto insurance. Having a significant other means you're more mature than a single person and it's proven that married drivers get in fewer accidents.

Save big with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply.

  • Government Employees - Employees or retirees of the government can earn a discount up to 10% with a few auto insurance companies.
  • Distant Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Discount for New Cars - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Low Mileage Discounts - Fewer annual miles can qualify you for a substantially lower rate.
  • Own a Home - Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • No Accidents - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Early Switch Discount - Some insurance companies reward drivers for switching policies prior to your current policy expiration. It's a savings of about 10%.
  • Good Student Discount - This discount can save 20 to 25%. The discount lasts well after school through age 25.

Drivers should understand that some credits don't apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will help reduce your overall premium however.

To choose insurance companies who offer auto insurance discounts in Pennsylvania, click here.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim that you'll save big after switching to their company. But how can every company make almost identical claims?

Different companies have a preferred profile for the driver that makes them money. An example of a driver they prefer could possibly be a mature driver, insures multiple vehicles, and drives newer vehicles. A driver that hits that "sweet spot" receives the best rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "people who quote" save that much. This is how companies can claim big savings.

This emphasizes why you should quote coverage with many companies. It is impossible to predict which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Camp Hill?
  • Should I file a claim if it's only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Much more information about auto insurance in Pennsylvania is available on the website for the Pennsylvania Insurance Department located here. Pennsylvania consumers can read industry bulletins, read enforcement actions against agents and companies, file complaints about a company, and report car insurance fraud.

Other informative sites include this online resource for auto insurance quotes in Pennsylvania and this list of insurance agents in Camp Hill.

Camp Hill auto insurance comparison

Shop smart and save

When trying to cut insurance costs, don't be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

In this article, we presented a lot of ways to save on auto insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with a small local company. Some small companies may only write in your state and offer lower rates than their larger competitors like .