Top Ways to Save on Chester Springs Auto Insurance

Paying for high-priced auto insurance can overdraw your bank account and force you to prioritize other expenses. Comparison shopping is a smart way to help make ends meet. There is such a variety of to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes on a regular basis since insurance rates are constantly changing. If you had the best price a couple years back you will most likely find a better rate today. Forget all the misinformation about auto insurance because we're going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

Save big with these discounts

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few need to be asked about before you will receive the discount. If you're not getting every credit you deserve, you are throwing money away.

  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Own a Home - Owning a house in Chester Springs may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply up to age 25.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

Pennsylvania auto insurance quotes

Auto insurance ads bend the truth

Pennsylvania drivers get pounded daily by advertisements for car insurance savings from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move your policy.

How does each company say the same thing?

Different companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile will get very good rates and most likely will save when switching.

Drivers who fall outside these standards will have to pay higher premiums which usually ends up with business not being written. The ads say "customers that switch" not "people who quote" save that kind of money. This is how companies can truthfully advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Additional information can be found on the website for the Pennsylvania Insurance Department located here. Pennsylvania drivers can file complaints about an insurance agent or broker, report car insurance fraud, download brochures, and find a variety of consumer forms.

Also read more on Wikipedia and this page where you can research Chester Springs insurance agents.

In the end, you save

As you go through the steps to switch your coverage, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage at a price you can afford.

Cheaper auto insurance is definitely available on the web in addition to many Chester Springs insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.