How to Find Low-Cost Catawissa Auto Insurance

Are you intimidated by the dozens of auto insurance company choices in Catawissa? Lot's of other consumers are too. Drivers have so many choices that it can turn into more work than you anticipated to find better rates.

The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Pennsylvania drivers only need an understanding of the most efficient way to buy auto insurance over the internet.

Tips to Get Lower Catawissa Rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The following are a partial list of the pieces used by your company to calculate prices.

Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
Do you know your deductibles? - Your deductibles define the amount you are required to spend in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you have to pay, the less your auto insurance will be.
Where you live is a factor - Choosing to live in a small town can save you money when buying auto insurance. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
High credit ratings translate to low rates - Having a bad credit history is a important factor in calculating your auto insurance rates. If your credit is not that good, you could save money insuring your by improving your rating. People with high credit scores tend to be more responsible than drivers with lower credit scores.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Careers like judges, architects and stock brokers have the highest rates because of job stress and long work hours. On the other hand, occupations such as actors, students and performers get better rates.
Little extras can really add up - There are a ton of extra coverages that can waste your money if you aren't careful. Things like rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.

Are you getting all your discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few must be asked for prior to getting the savings. If you don't get every credit possible, you are paying more than you should be.

Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
Multiple Policy Discount - If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Claim Free - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
Driver Safety - Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.

Consumers should know that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will help reduce the cost of coverage.

To choose insurance companies who offer auto insurance discounts in Pennsylvania, follow this link.

How can State Farm, Allstate and GEICO save drivers who switch?

Pennsylvania drivers can't ignore all the ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all say the same thing of big savings after switching your coverage to them.

But how can every company say the same thing?

Different companies are able to cherry pick for the type of customer that makes them money. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and has great credit. A propective insured who fits that profile receives the best rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be quoted a more expensive rate which usually ends up with business not being written. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently advertise the savings.

This emphasizes why you should get quotes from several different companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Additional auto insurance information is located on the Pennsylvania Insurance Department website located here. Pennsylvania drivers can view a list of available companies, report car insurance fraud, and view agent and company licensing information.

Other informative sites include this site for auto insurance rates in Pennsylvania and this list of insurance agents in Catawissa, PA.

Best coverage at the best price

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, policy non-renewal or even poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

Cost effective auto insurance can be purchased on the web as well as from independent agents in Catawissa, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don't offer online price quotes and these small, regional companies work with independent agents.

As you prepare to switch companies, don't be tempted to buy poor coverage just to save money. There have been many situations where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.