7 Simple Tricks to Reduce Car Insurance Costs in Carbondale, PA

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, you're not alone.

Companies like GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

car insurance in Carbondale

Comprehensive Carbondale Car Insurance Comparison

Performing a rate comparison can take time and effort if you don't understand the fastest way to get free quotes. You can spend your afternoon talking to local insurance agents in Carbondale, or you could use the internet to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program that allows shoppers to send in one quote, and at least one company provides a quote based on that data. This system prevents you from having to do form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to getting quotes like this is you don't know exactly which providers to get pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of companies who write car insurance in Pennsylvania. Click here to view list.

It's up to you how you get prices quotes, just ensure you are comparing exactly the same quote information for each comparison quote. If you have mixed coverages you can't possibly determine the lowest rate in Carbondale. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that more quotes will improve the odds of getting a better price.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before being credited.

  • Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
  • Organization Discounts - Being a member of a civic or occupational organization could trigger savings when buying car insurance.
  • Federal Government Employee - Employees or retirees of the government can save as much as 8% depending on your company.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Paperless Signup - Certain companies may give you up to $50 just for signing your application digitally online.
  • Multiple Cars - Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, it just doesn't work that way. But any discount will reduce the amount you have to pay.

To choose insurers with discount car insurance rates in Carbondale, click this link.

Is there truth in advertising?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies make the same claim that you can save if you change to them. How can each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. For example, a profitable customer might be over the age of 50, has no driving citations, and has excellent credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements must pay higher prices which leads to the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save money. That's the way insurance companies can make those claims.

This illustrates why you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

More information can be found on the website for the Pennsylvania Insurance Department found here. Visitors are able to find disaster information, find out which companies have the most complaints, download brochures, and read consumer alerts.

Final considerations

Affordable car insurance can be sourced both online and with local Carbondale insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.