Consumer Tested Strategies to Save on Carnegie Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers in Pennsylvania.

Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

These discounts can lower your rates

Car insurance companies don't list all available discounts in a way that's easy to find, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

Memberships - Participating in a civic or occupational organization is a good way to get lower rates when buying auto insurance.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
Drivers Ed for Students - Have your child enroll in driver's education if offered at their school.
Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
Paperless Signup - Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

To see a list of insurers with discount auto insurance rates in Carnegie, click here to view.

Fast and Easy Carnegie Auto Insurance Quotes

Most companies allow you to get pricing online. Getting online rates is pretty easy as you just enter the amount of coverage you want as detailed in the form. Once you submit the form, the company's rating system will obtain information on your driving record and credit history and provides a quote. Online quotes makes comparing rates easy, but the work required to visit many different websites and complete many quote forms can be a bit repetitive. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

There is a better way!

The preferred way to find cheaper rates uses one simple form to get prices from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much easier. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and find out what other companies charge, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter the insurance coverages as shown on your current policy. This makes sure you will have rate quotes based on the exact same insurance coverage.

Why some people pay less for insurance in Carnegie

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that could result in lower auto insurance prices.

Do you have enough liability coverage? - Your policy's liability coverage will protect you if a court rules you are at fault for damages from an accident. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Little extras can really add up - There are quite a few extra bells and whistles that you can get tricked into buying on your auto insurance policy. Insurance for rental car reimbursement, accidental death and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don't need them eliminate the coverages to reduce your premium.
Pay less if you're married - Getting married helps lower the price on your policy. Having a spouse is viewed as being more mature and it's statistically proven that drivers who are married are more cautious.
Low deductibles can be expensive - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more expense you're willing to pay, the less your company will charge you for insurance.
The more you drive the more you pay - The higher the mileage driven every year the more you'll pay to insure your vehicle. Most companies apply a rate based on their usage. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle.
Mature drivers pay less - Mature drivers are more responsible, tend to file fewer claims and get fewer tickets. Teen drivers have a tendency to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.

Are you falling for claims of savings?

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies make an identical promise that you can save if you change to them. How can each company make almost identical claims?

All companies can use profiling for the type of driver that is profitable for them. A good example of a profitable customer could possibly be a mature driver, has no tickets, and drives newer vehicles. A driver who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements must pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" not "everybody who quotes" save money. That's why insurance companies can claim big savings. This illustrates why drivers must get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings.

Final considerations

Affordable auto insurance can be sourced online and with local Carnegie insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. In too many instances, an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Additional detailed information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can find out which companies have the most complaints, view a list of available companies, discover disciplinary actions, and get help finding coverage.