5 Money Saving Ideas Shown to Slash the Cost of Car Insurance Costs in Center Square

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of car insurance companies all offering big savings in Center Square.

It's important to check car insurance prices periodically since rates are constantly changing. If you had the best deal a few years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

More discounts equal less premium

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you complete an application, but some must be manually applied before they will apply. If you're not getting every credit you qualify for, you are throwing money away.

  • Accident Forgiveness - Certain companies permit an accident before your rates go up as long as you don't have any claims for a set time period.
  • Air Bag Discount - Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Federal Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Life Insurance Discount - Some companies give a discount if you purchase life insurance.
  • Bundle and Save - If you have multiple policies with the same insurance company you may earn at least 10% off all policies.

It's important to note that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you're out of luck. But any discount will bring down your premiums.

It's not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

Here are some questions about coverages that may help highlight if you might need an agent's assistance.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Should I buy only the required Pennsylvania minimum liability coverage?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Switch companies and save? Really?

Consumers in Pennsylvania get pounded daily by advertisements for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you move to them.

How does each company claim to save you money?

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. An example of a desirable insured might be between the ages of 30 and 50, a clean driving record, and has a short commute. Any new insured that hits that "sweet spot" will get the preferred rates and therefore will save when switching.

Consumers who do not match these standards will have to pay higher rates and this can result in the customer not buying. The ads state "people who switch" not "everyone that quotes" save money. That is how insurance companies can make the claims of big savings.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which company will fit your personal profile best.

Additional Pennsylvania consumer information

More information is available on the Pennsylvania Insurance Department website through this link. Visitors are able to learn about insurance regulations, find out industry alerts, and download brochures.

Also read more on this site for Pennsylvania car insurance information and see this list of insurance agents in Center Square.

Pennsylvania car insurance

And the best car insurance company is...

Lower-priced car insurance is definitely available both online and with local Center Square insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We just covered a lot of techniques to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from an unexpected company.

Drivers who switch companies do it for many reasons like denial of a claim, poor customer service, high rates after DUI convictions and even delays in paying claims. It doesn't matter why you want to switch finding the right car insurance provider is less work than it seems.