Car Insurance in Carlisle, PA - 9 Discounts You Might be Unaware of

Having to pay for overpriced car insurance can take a big chunk out of your bank account and make it hard to pay other bills. Comparison shopping is a great way to help make ends meet.

Big companies like GEICO and Progressive persitently shower you with TV and radio ads and it can be hard to sift through the bull and find the best price available.

If you currently have car insurance, you will be able to save some money using these methods. Buying car insurance in Carlisle is not that difficult. Although Pennsylvania car owners do need to know how big insurance companies price online insurance and take advantage of how the system works.

Save big with these nine discounts

Car insurance companies don't list every discount in a way that's easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving.

Government Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
Distant Student - Youth drivers who live away from home and do not have a car may qualify for this discount.
Multiple Policy Discount - If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Accident Free - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in school.
Low Mileage Discounts - Driving fewer miles can qualify you for a substantially lower rate.
Paperwork-free - Some insurance companies will give a small break for buying your policy digitally online.
Accident Waiver - A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free car insurance policy, you won't be that lucky.

To choose insurance companies offering car insurance discounts in Carlisle, click here.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all have a common claim about savings if you switch to them. How can each company make the same claim?

Different companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer could be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will be quoted higher prices and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save money. This is how companies can truthfully advertise the way they do. This emphasizes why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

But I don't know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help you determine if your situation might need professional guidance.

Why am I required to get a high-risk car insurance policy?
What are Pennsylvania no-fault laws?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
Is rental equipment covered for theft or damage?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Even more information is available at the Pennsylvania Insurance Department website. Consumers can read industry bulletins, read enforcement actions against agents and companies, read consumer alerts, and download brochures.

Shop smart and save

When shopping online for car insurance, it's a bad idea 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 a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

You just learned a lot of techniques to save on car insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the best prices are with a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like .